Joe Quiroz
Loan Officer
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
Location & Business Hours
Wednesday
9:00 AM to 5:00 PM
Thursday
9:00 AM to 5:00 PM
Friday
9:00 AM to 5:00 PM
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Reviews from Web
We we're having alot of trouble getting into a property during the burning hot market we were in. We ended up having to switch loan types several times to get our offers accepted. Joe and his team stuck by us the entire time and really helped...
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Reply from Joe Quiroz
October 12th, 2022 07:18 PM
Thank you Travis! We truly appreciate the review and the acknowledgment. Congratulations to y'all again on your new home.
NO DRAMA. Closed on time and received good communication from everyone involved in the transaction.
Reply from Joe Quiroz
September 27th, 2022 02:05 PM
Thank you Jeff, the rating and compliment is greatly appreciated.
Joe and his team helped answer questions throughout the process and just made the entire experience untroubled and clear.
Reply from Joe Quiroz
July 25th, 2022 05:14 PM
Thank you Mr. Gomez, we truly appreciate the kind words. Congratulations again on your new home. :)
Joe did an excellent job on communicating, and making sure the loan closed on time!!
Reply from Joe Quiroz
July 9th, 2022 08:52 PM
Thank you Stacy! I truly appreciate the kind words and if there is ever anything I can do to assist you, please let me know. :)
From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
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From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
read more
From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
read more
From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
read more
From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
read more
From the very beginning, Mr. Quiroz was on top of everything along with his team. It was a very easy transaction and a pleasant experience working with Mr. Quiroz. I hope to continue doing business with him not only as a client but as a Realtor...
read more
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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
Conventional Home Loan
Mortgage Refinance
Bank Statement Mortgages
ITIN Mortgage Loans
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Addresses and Serving Areas
Serving
Year Started
2014
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 1043015
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.