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
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Reviews from Web
Super knowledgeable. found the right lender and closed very quickly 10/10
Reply from Joe Tishkoff
April 27th, 2026 04:38 PM
Thank you, Joey for your kind works. Very much apprecaited!
Being a first Generation home buyer my husband and I had very little knowledge on the process and what it took to apply for a home loan. Joe thoroughly explained every step of the way! Joe was patient, reliable, honest and understanding with...
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Reply from Owner
April 2nd, 2026 03:27 PM
Thank you, Jenn. I'm delighted to be able to help you and Bryan navigate the lending landscape as first time buyers. You are such a pleasure to work with!
Joe was great. He was very communicative throughout the entire process and quickly called me back after I left a message or even after just seeing a missed call. I highly recommend him!
Reply from Owner
April 27th, 2026 04:40 PM
Thank you for sharing your experience, Melba. I'm pleased to hear that my communication met your expectations and that I could assist you promptly. Your recommendation is greatly appreciated!
Joe was available all the time - all. the time. He was quick to return a message or even just a missed call. ALso, the dashboard with the different options was fantastic. I am a visual person, so it was very helpful to see each option with...
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Reply from Joe Tishkoff
March 30th, 2026 10:00 PM
Thank you, Melanie. You were a pleasure to work with and working hand in hand with your wealth planner to meet your retirement goals was very valuable. Thank you for being a valued client!
Joe is truly a professional in his field! My mortgage wasn't straightforward. (as I would assume most mortgages are not). Joe handled the ups–and–downs, the ins-and-outs, while all the time being in communication with me and giving me clear...
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Reply from Owner
March 30th, 2026 02:39 PM
Berley, most loans have a wrinkle or two, some more than others. The key is working with someone who knows how to get client out of a sticky situation and make it to the closing table looking effortlessly. That's where experience counts. I'm...
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He handled all the issues that came up, communicative and friendly.
Reply from Joe Tishkoff
March 30th, 2026 12:24 PM
Thank you. Berley. Happy to be there for you.
This is my second time refinancing with Joe . He made the process easy to understand.
Reply from Joe Tishkoff
March 24th, 2026 09:31 PM
Thank you, Lee for your kind words. I'll monitor rates for you should rates drop further and assess whether refinancing in the future will offer you both a lower monthly payment and be financially viable.
I highly recommend Joe Tishkoff! Even though I haven’t closed a mortgage with him yet, he has been an incredible resource while I prepare to purchase my first investment property. Joe has taken the time to coach me through strategy, numbers,...
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Reply from Owner
February 17th, 2026 03:42 AM
Thank you, Melia, for taking the time to discuss lending options with me today. Glad we explored several options that work well for for and your unique scenario.
Joe is so knowledgeable and patient. We’ve purchased 2 homes with his help now and from the very beggining he is always available to talk to us about our options and the benefits or not of different types of loans.
Reply from Owner
February 14th, 2026 07:09 AM
Thank you, Ryan. It's been a privilege to help you and Allison achieve your dreams!
the speed and ease of getting the loan reapproved, approved and subsequently funded was fantastic. It’s been a pleasure working with Joe again on another home loan. The process was seamless and super easy which is all we can ask for
Reply from Joe Tishkoff
February 23rd, 2026 07:31 PM
Thank you for sharing your experience, Joseph. It's rewarding to hear that the process was smooth and straightforward for you. I'm glad I could assist with your loan in a way that met your expectations, and it's been a pleasure working with...
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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.