

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
Mon
9 AM to 5 PM
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Reviews from Web
Joe is very responsive, friendly, and sincerely cares about his clients. He goes the extra mile to make sure we feel taken care of. I’ve used Joe for many transactions now because the process is always seamless. I wouldn’t go anywhere else!...
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The efficiency and thoughtfulness that Joe and his team used in managing my loan process was really incredible and made the process painless for me.
Joe is the most knowledgeable professional in the business. I have been doing business with Joe for 30 years, referring him my real estate clients, friends and family. I will continue to do so. He will find the lowest rate for you and will...
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TOP NOTCH: the communication, the clarity, the ease of upload to the site, the help when we had questions, the swift replies, and the expediency of the closing.
Joe and his team have provided first class refinancing services again and again when we were seeking to refi. Would recommend to anyone.
Made it easy for me. Helped throughout the process.
Great service !!!!!
Joe took the time to listen to our needs and help us to strategize the financial approach to our mortgage refinance. The application process was simple and all communications were prompt and easy to understand. Thank you!!
This process has taken far too long and now, instead of the funds being delivered as noted this week, there is one more roadblock.If the roadblock cannot be resolved by the close of business on Tuesday, December 8th, return the file to me via...
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Joe and his team walked us patiently through the process step by step. Thoughtful and professional from beginning to end. Jackie and Boris Greenberg
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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.