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
Thank you so much team! I am so grateful for all your help and hard work in making this a reality for me. What a wonderful way to start 2022!!!You guys are all together simply amazing. You did what I once thought was the impossible - and made...
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Joe takes the time. It’s like you are working together as a team to get you what you need. We called him the doctor.
Joe took his time to explain the loan process and all the documents. Anytime I had a question, he was there to answer. My wife and I both enjoyed working with Joe and his whole team!
Joe has a tremendous knowledge of the lending industry and the loan products available. He has a great team. He is always available to help.
Joe was quick to respond to inquiries, made the process of getting a load easier for us to understand. He was amicable at every turn and made us as first time homebuyers feel like we weren’t alone to figure it all out. 10/10 would recommend!...
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To be fair, I worked almost exclusively with Michele, but she was AMAZING. She was very accommodating and just made me feel very taken care of. I felt like she really fought for my best interests.
Michele, and Mary were fantastic! Communicated very well with me, and always kept me in the loop.
The result.
The patient.
The knowledge.
The effort ,
The understanding
Joe and his team made it great.
Process was quick and easy
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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.