Joe Tishkoff
Senior Mortgage Advisor | NMLS# 240232
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
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Your people helped us every step of the way and explained everything in detail and answered all our questions
What made the experience Great was that your team came in after the transaction was going down hill and going down hill fast, and saved the transaction; helping the buyer achieve their homeownership goal the way they had planned. Your team...
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Everything was made very clear and the communication was excellent. Made the whole experience much easier!
Joe and his team kept me informed and up to speed on all changes and challenges, not always what I wanted to hear but the truth.
Better communication about the purpose for the delays in underwriting. It seemed Michelle was doing her very best, but Joe was AWOL. I believe if Joe had gotten in front of the gifted funds issue weeks in advance and let the buyers know what...
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Overall great advice and good communication. Helped with improving credit as well.
Expert insights and always available to chat. Made the whole thing as easy as it can be…..
Consistently great customer service, speed, accuracy, follow-through. Helps in getting offers accepted by making my buyer-clients competitive.
Joe is professional, responsive, and knowledgeable
As a first time home buyer and neither being in the same state as your home team I am very surprised. Your team made this process easy to navigate. Not Complicated!
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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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Memberships
- National Associate of Mortgage Brokers (NAMB)
- Senior Specialist Group (SSG) advisory members.
- President's Cabinet Member
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1984
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 240232
Achievements
- President's Cabinet Members, PRMG
- President's Club Member, Finance of America Mortgage
- Past President, Los Angeles Associate of Real Estate, Finance Committee
Hobbies
- Snow Skiing
- Mountain bike riding
- Snowmobiling
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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.