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
Joe did a great job. Response time excellent.
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Joe made the entire process from start to finish seamless. Similar to last time, everything went smoothly. Joe and his team were all a pleasure to work with.
Overall it was a great experience.One big negative: my personal documents that include all my personal information have been lost between the notary and escrow company.While it is not a fault of Joe, but my information got exposed due to a...
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Joe is a genius. Helped me improve my credit score when no one else could to in turn get a better rate. Ricky on his team was a great help too. Great communicators.
This is my 2nd time working with Joe. Joe and his team were once again very helpful From
Beginning to end and everything went very smoothly.
All went smoothly and Joe seemed very available.
Very happy with Joe. He was able to find a great rate for me and made the process very easy.
Joe spent over an hour on the phone with us to understand our situation and goals. He put together a plan that met both, and we closed within a couple of weeks.
Super helpful and super efficient team! Kept me up-to-date on everything along this whole process. I always enjoy working with Joe and his team!
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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.