Chris Velasquez
Branch Manager
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L...... Show More
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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Not only was Chris professional in his knowledge and help, he was also personable which makes the process so much easier and better.
Great experience from start to finish. They were always quick to answer my questions, kept me updated throughout the process, and made everything a lot less stressful. Buying a home can be overwhelming, but they made it feel easy. Really appreciate...
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Reply from Chris Velasquez
July 1st, 2026 03:13 PM
Thanks for your kind words, Edwin. Enjoy your new home!!!
Mr. Chris saved my life—in the sense of how he helped me, the patience and assistance he provided, and the advice, guidance, and discipline he instilled in me to help me achieve the goal of buying my home. Mr. Chris is the best; May God bless...
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Reply from Chris Velasquez
July 2nd, 2026 02:27 PM
Luis, I'm truly grateful for your heartfelt words. It was my pleasure to assist and guide you on your journey to homeownership. Knowing that my support made such a positive impact means a lot to me. Thank you for your kind blessings, and I...
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Chris Velasquez and the entire Lower Mortgage team exceeded my expectations throughout the home-buying process. As a self-employed owner-operator, I knew my mortgage application would require extra documentation and attention, but Chris made...
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Reply from Chris Velasquez
June 22nd, 2026 08:08 PM
Qaid, I appreciate your thoughtful review and I'm grateful for the opportunity to assist you in achieving your goal of homeownership in Palm Coast. It's good to know that my efforts to make the process smooth and stress-free were helpful, especially...
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We had an excellent experience. The team was professional, responsive, and committed to delivering high quality service from start to finish. Communication was clear, deadlines were met, and the overall process was smooth and efficient. Highly...
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Reply from Chris Velasquez
May 29th, 2026 03:09 PM
Emilee, I'm grateful to hear that you had an excellent experience. It's nice to know that the professionalism and responsiveness of my team made the process smooth and efficient for you. Thank you for your kind words and recommendation!
Thank you for your time
Reply from Chris Velasquez
May 1st, 2026 01:51 PM
Thanks for the ratings, Nilka. Enjoy your home!!
Excellent service!, thank you
Reply from Chris Velasquez
April 29th, 2026 02:47 AM
Thank you so much. Your feedback means a lot. Enjoy your new home.
Chris maintained ongoing communications about the process of buying a home and items needed or explaining something that was beyond my understandin. I will be sending the next clients your way! Thanks for all your help.
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Reply from Chris Velasquez
April 8th, 2026 05:01 PM
Richard, I'm glad that the ongoing communication was helpful to you, and it's rewarding to hear that I could clarify things when needed. Thank you for considering sending future clients my way. If there's anything more I can assist with, please...
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Estamos sumamente agradecidos por su servicio en el proceso de nuestra compra de nuestro nuevo hogar somos mas que bendecido.
Reply from Chris Velasquez
March 26th, 2026 01:17 AM
Thank you for taking the time to share your experience, Edgardo. I'm glad to hear that you were satisfied with the service I provided at team Acopia by Lower. If you have any future needs or questions, please don't hesitate to get in touch.
Chris and his team were very helpful through the loan process. Very quick to respond to our questions. The process was very smooth.
Reply from Chris Velasquez
March 12th, 2026 07:43 PM
I'm very pleased to hear that the loan process went smoothly for you, Karen. It's great to know that my team and I could assist you effectively and respond promptly to any questions. If you need anything else in the future, please feel free...
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 388458
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.