Customer ReviewsforLower.com

Loan officer reached out to me concerning changes in *** requirements. I was told I would qualify and we proceeded with the application. He even had us put money on some of our credit cards to hype up our credit report. Then he had us give him our bank account information for future charges, to only find that he had monies come out of our account prematurely and unexpectedly. When I confronted him about these charges that were unauthorized, he had no explanation and admitted that he was at fault. Then he ignored all of our phone calls. We never got updates on how the loan was progressing. I even reached out to Corporate, who also ignored my emails. I would avoid this Mortgage company by all means. They are dishonest and do not take ownership for their mistakes. Now I see why they are not Better Business Bureau approved. I would never Recommend this company to anyone.

Hello Tee, Thank you for providing your feedback. We want to apologize for any unmet expectations. Could you please email us at ***************************** with more information. We could not locate an application based on your name or email. Could you provide information such as your phone number, property address, and the name of the loan officer you worked with? Thank you - Lower.com *************

Our experience with Lower LLC (Lower.com) has been deeply frustrating, marked by miscommunication, misleading information, and last-minute changes that have caused financial and emotional distress. We were given a clear to close, communicated to our title company and realtor, leading us to incur expenses like appraisals and inspections.Despite this, Lower LLC changed the loan terms without proper explanation, postponed our closing multiple times, and left us in a 7-day grace ******* Our original closing on August 29th was abruptly canceled and rescheduled, with no certainty that the loan will close.Lower LLC often blamed issues on ****** **** automated systems and AI technology, citing external rejections, but we never received clear answers. They had an opportunity to resolve the situation through an exception request, but we were not informed of its denial until we discovered it ourselves.This has disrupted our lives, including switching schools for our four childrenthree of whom have disabilitiesand notifying our landlord of a planned move based on broken promises. As a community leader in ****, I cannot recommend Lower LLC to anyone. Their shifting terms, delays, and lack of accountability have caused severe hardship to my family.We have reported these issues to HUD, FHFA, and the *** and hope no other families experience what we have with Lower LLC. This review will be updated based on the outcome of our rescheduled closing, but currently, our experience has been unacceptable.

Hello ****, Thank you for providing your feedback. We want to apologize for any unmet expectations. Per our records we were able to close your loan and saw you had updated your review on another review platform. We did share your experience with the appropriate parties. If you would like to provide more information, please contact us at your earliest convenience at ****************************** Thank you - Lower.com *************

Do not use this company. Started off good had me pay for an appraisal. Then was in underwriting for a month. Came back with 3 different amounts for closing. Then when I decided to go with another opinion. Gave me an ultimatum and blocked my phone number and email. I have never seen a mortgage lender nor bank block someone because the didnt choose them. Also would not release my information to the next lender. Run far far away from these people.

Hello ******, Thank you for providing your feedback. We want to apologize for any unmet expectations. We also get frustrated by federal laws that can change overtime, however they are for your protection. Per the notes on your file, some items were needed to be taken care by you for you to qualify per federal guidelines. We have shared your experience with the branch manager. If you would like to provide more information, please contact us at your earliest convenience at ****************************** Thank you - Lower.com Customer Carewe

The worst Mortgage Lender you could ever use. So deceiving and because of their inability to get me the re-fi I wanted, I got behind on my mortgage and car payment. After waiting more than 2 months and promises and more promises, **************************** Mortgage Advisor stopped talking to me and gave me another Loan Processor, *****************************, who never spoke to me and kept sending me the same email over and over again. I got calls from people about getting a pay-off statement from my mortgage company knowing they were not going anywhere with the loan. I lost $199.99 from an unfair appraisal on my home. I sent the *** of Lower.com, ******************* a letter by Certified mail and have yet to hear from him. You must watch out for ******. This company is somehow affiliated with Lower. They are a disgrace and should never be in that business. At one time, I thought they might be a scam and that made me put on alert to watch my home from being taken from me. I got a few strange calls also saying they were working with names that I was familiar with, but nothing ever became of that either. Never again and I have nothing good to say about Lower. They get no rating from me.

Hello *****, Thank you for providing your feedback. We want to apologize for any unmet expectations. We have shared your experience with the appropriate parties. If you would like to provide more information, please contact us at your earliest convenience at ****************************** Thank you - Lower.com *************

Snake salesman of a company. Been working to close for 2 months have paid for three different appraisles all because they made mistakes on the paperwork. Would not tell my worst enemy to use this company.

Hello *****, First and foremost we want to apologize for any unmet expectations. Looking into your specific situation, there are federal guidelines regarding your appraisal. We also are frustrated by the complex federal laws. We have shared your experience with the branch manager. If you would like to provide more information, please contact us at your earliest convenience at ****************************** Thank you - Lower.com *************

They insisted on telling me the numbers of my possible loan, it was like pulling teeth to get the actual numbers emailed to me in my inbox. They kept asking what other lenders were offering me, and then it felt like they scolded me when I finally got to see the numbers with my eyes and told them their rate and closing costs were higher than the other offers. The VP Shane said "if I can't trust what they are telling me, why work with them?" in reference to me asking for the numbers in writing. He also said "this is why we ask for the other lender's offers so no one wastes their time". What a JERK.

Hello ******* , Thank you for providing your feedback. We want to apologize for any unmet expectations. We have shared your experience with the appropriate parties. If you would like to provide more information, please contact us at your earliest convenience at ****************************** Thank you - Lower.com *************

They wasted my time. What they advertise, & what they can do, are two different statements.

Hello Mirza, Thank you for providing your feedback. We want to apologize for any unmet expectations, based on your qualifications. We have shared your experience with the appropriate parties. If you would like to provide more information, please contact us at your earliest convenience at care@lower.com. Thank you - Lower.com Customer Care

I'm usually the type to dot my i's and cross my t's, especially when it comes to financial dealings like a mortgage. So it was quite a jolt when Lower.com, after assuring me of an escrow refund close to $10 grand (a not insignificant financial draw that was a part convincing us to close with them), came back with a staggering correction 6 weeks AFTER closing: there would be no refund due to an escrow shortfall they hadn't initially caught. This isn’t just a minor hiccup; this is a significant oversight that has had a real impact on our finically forecasting, and I would like some accountability. This is following an initial issue I experienced during closing that almost made me cancel the night before signing. After reviewing the CD, it became clear that in the multiple sales y “but wait there’s more!!!” style breakdowns of costs Lower.com had given me, they had left out a critical detail: the HELOC itself would be used to reduce my mortgage by $35,000! I had no reason to assume that this figure would come out of the HELOC, and I can only the omission was strategic in their part, because everything else was laid out meticulously. Their omission led me to an incorrect assumption that our HELOC availability post closing would be mouth larger, which isn't something I take lightly and greatly defeats the purpose of the loan in the first place. I'm sharing this because diligence isn't always enough—you also need transparency from your lender. If you're going through the refinancing process, be aware that it's not just about the questions you ask, but also about the forthrightness of the answers you receive. I need better answers, netting such a significant loss with this escrow refund is intolerable, it’s not just bad business or poor communication, they had us sign a document under false pretenses and something needs to be done about it.

Dear Ms. Kabba, I appreciate your communication regarding discrepancy in escrow refund amount. Your reference to the Massachusetts Consumer Protection Act (M.G.L. c. 93A, Section 2) is noted. This statute prohibits unfair or deceptive practices in commerce. While I assure you that our intent was not deceptive, I recognize that the situation warrants further examination. We take your concerns seriously and have conducted an internal investigation of loan documents and correspondence. The email from the loan officer indicated escrow refund from your current lender rough" estimate. Escrow account refund 1-4 weeks after closing (roughly $6,000 I except It's essential to recognize that Lower, LLC is not the lender being paid off, and the estimate was based on the monthly obligations for taxes and insurance. However, the actual escrow refund amount lies with the current lender. Here are the key points to consider: Estimate vs. Actual Refund The was an approximation. The actual escrow refund is determined by the current lender, considering specific details related to the escrow account. It is possible that the current lender paid taxes and insurance from your escrow account prior to closing and this may have resulted in a reduction in your available funds remaining in escrow. Customer's Role As the customer, it's crucial to verify the escrow refund amount directly with the current lender. Thank you for your patience and understanding. We value your business and remain committed to ensuring a positive experience for all our clients