Joe Vergara
Sr Mortgage Advisor | NMLS# 2536528
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
It was wonderful working with Joe! He was very personable, friendly, and knowledgeable. He made the whole process easy to understand, and it definitely helped knowing he really knew what he was doing. We were even able to get a better deal...
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Reply from Joe Vergara
October 2nd, 2026 03:52 PM
Anthony, I'm glad to hear that I could make the process easy and clear for you. It's great to know you were able to secure a better deal than your mortgage company offered. Thank you for choosing to work with me and Lower!
Thank you, Joe! You made our cash-out refinance process so easy. Working with you felt like working with someone I had already known for years. You were very down to earth, knowledgeable, and always made sure I understood exactly what was happening...
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Joe was very responsive throughout the process. He answered any questions I had..
Joe made my experience pleasant and made it easy for me.
Reply from Joe Vergara
August 20th, 2026 01:37 PM
Veronica, I'm pleased to hear that I could make your experience pleasant and straightforward. If there's anything else I can assist you with, please feel free to reach out.
Joe is very personable and represents the Oxford Group with integrity and a strong commitment to customer satisfaction. He made me feel confident in my decision to refinance my home. Thank you Joe!
Reply from Joe Vergara
July 10th, 2026 02:54 PM
Sharon, I appreciate your kind words about my approach and commitment to customer satisfaction. I'm glad to hear that you felt confident in your decision to refinance your home. If you have any more questions or need further assistance, please...
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it was real easy to get in touch with Joe, and get answers to questions
Reply from Joe Vergara
June 22nd, 2026 01:04 PM
Loretta, I'm happy to hear that you found it easy to get in touch with me and get your questions answered. If there's anything else you need, please feel free to reach out anytime.
Joe was with us thru every part of the application. Giving advice and his knowledge. he was a team player. Always there thru text, email or phone call. keeping us infirm thru every step and what happen next. Was very patient. Never once got...
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Reply from Joe Vergara
June 22nd, 2026 02:39 PM
Gualberto, I'm grateful for your kind words and appreciation. It was important to me to be there for you throughout the application process and to provide the support you needed. If you have any more questions or need further assistance, please...
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Joe and his team were very knowledgeable he is a very sincere and honest person who gives if it to you like it is. He does not whitewash anything. He's always there anytime you call and answers all questions snd and fears. Thank you very much...
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Reply from Joe Vergara
June 15th, 2026 05:59 PM
Darling, I appreciate your kind words and acknowledgment of my sincerity and honesty. I'm glad to know that my team and I were able to provide clarity and support whenever you needed it. If there's more I can do for you, please don't hesitate...
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How helpful and how much time he took and also he ALWAYS looked into everything right away. I would highly recommend working with him
Reply from Joe Vergara
June 8th, 2026 01:28 PM
Hilary, I appreciate your kind words and recommendation. I'm pleased to know that the time and attention I dedicated were helpful to you. If there's anything else you need, please don't hesitate to reach out.
joe vega was excellent very knowledgeable
Reply from Joe Vergara
June 5th, 2026 01:37 PM
Gary, I'm thankful for your kind words. I'm glad to hear that my knowledge was helpful to you. If there's anything more you need, please feel free to reach out.
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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
Conventional Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2536528
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.