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
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closed
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closed
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9 AM to 5 PM
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Reviews from Web
Joe was extremely helpful in getting the documents I needed. He worked very hard on my behalf.
Joe is unlike any other broker I've ever dealt with. I came to him twice, previously, and he spent hours on the phone with me, even though neither of those transactions ever transpired. When it came time to get serious, he was my first call,...
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Joe and his team made us feel comfortable and confident throughout the entire refinance process. They are a high-touch team, ensuring communication is frequent and thorough. The loan was funded on time, and we couldn't be more delighted. Thanks...
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Patience and persistence.
Seamless and professional process by whole team
Personal attention and genuine effort to ensure all my questions and concerns were adequately addressed.
Joe and his team were great. They were efficient and respond promptly to any questions or emails. We have done several refinance with Joe and would recommend him.
I have never had a loan process go so smoothly and without any complication. I must say Joes team Ricky Powel and Michel are my heroes. Thank you all for a great service
Fast, we were able to close in less than 30 days.
Very helpful staff
Process was fast and efficient. He and his staff communicated effectively.
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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.