Review Time
Unsolicited cold calls even though I am on the Federal Do Not call registry. Would never do business with a company that doesn't understand that doing this is a violation of law and my privacy.
A week into the process, we receive an email that we need to sign new disclosures. No conversation or email what this is about. We log in to review the new disclosures, and in the small print, we see that Nico has included that our FICO score dropped and they need .75% point because of it. Which is ridiculous because our scores have actually gone up. After reviewing the form, he took $5,000 out of our escrow account and put it in the origination column. Then I questioned him about it and he said he didn't know anything about it. He is a liar. I told him to close the file and want the appraisal we had to pay for.
The representative was fantastic to collaborate with and guided me through every step. I highly recommend their services to anyone and am eager to work with them again in the future. I truly couldn't have asked for a better experience purchasing my first home.
Amazing Experience with Lower!
I recently applied for a loan through Lower, and I couldn't be more pleased with the process! From start to finish, everything was seamless and user-friendly.
Uppermost, I use ProofOfStatement AI bank statement. This feature made it incredibly easy to verify my income and financial status, significantly speeding up my approval process. With just a few clicks, I was able to upload my bank statements securely, and I received my loan approval promptly.
The customer service team was also fantastic—super helpful and knowledgeable, ready to answer all my questions. They truly care about their clients and ensure that the experience is as smooth as possible.
If you’re looking for a hassle-free loan experience, I highly recommend using Lower and utilizing ProofOfStatement ai for proof of funds. It made all the difference for me! Thank you, Lower, for your exceptional service!
Second time to refinance with Lower. Owen Dysart was great to work with. Efficient and stayed on top of things so loan closed quickly. He was great with explaining the process and answering all of our questions. Super pleased with the process.
Mallory Miller and David Kowit took excellent care of me! I had a rather sticky situation due to divorce and they carefully went over my options. Every detail. Even talked to me after hours. Just excellent service but above that, care for the borrower and their situational issues. No question, I'd use Lower.com again.
Jason and Amanda were efficient and pleasant. If I had a question they were there to answer it immediately. Gosh, I had trouble getting some government forms because of the shutdown and Amanda knew I was getting stressed out, so she got the info for me. 🙂
I worked with Sam Berman and let me tell you he is one of the best, if not the best, in his field. We worked with 3 other companies before finding lower and no one even compared to Sam’s numbers with lower. They are very honest and up front about their fees and pricing and were always quick to answer the phone when called for a question (even on the weekends). Me and my wife will not go through any other company in the future for other home loans. We have most definitely found our forever company and our forever loan officer. Thank you so much Sam!
I did a review three days ago and spoke too soon. Closing the loan may have gone well, but the settlement process through Lower and their assigned settlement company (Summit) has been four days and counting of poor service, excuses, outdated processes and failure to resolve the problems. I closed nine days ago and am still waiting on paper checks that have been promised three different times with three failures. Now with a weekend and holiday approaching, I'm likely left waiting another five days to resolve. A simple update to modern forms of electronic payments could have avoided all the problems. Think twice and ask questions about who is handling settlement.
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