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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
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!
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...
read more
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...
read more
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...
read more
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...
read more
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.
Joe went above and beyond for me in an extremely emotional and hard time with my home. His level of professionalism and knowledge helped me navigate through unknown waters and helped me more than he will ever know!
read more
Reply from Joe Vergara
May 26th, 2026 06:15 PM
Ashley, I'm grateful for your kind words. I'm pleased to hear that my support and knowledge were helpful to you during such a challenging time. If there's anything more you need or any other way I can assist, please feel free to reach out.
Joe was very informative and knowledgeable about my loan and kept me updated on everything .
Thank you Joe vargara
Reply from Joe Vergara
April 23rd, 2026 01:20 PM
Pamela, I appreciate your kind words. I'm glad I could provide you with the information and updates you needed regarding your loan. If you have any more questions or need further assistance, please feel free to reach out.
HE-was-A-professional
Reply from Joe Vergara
March 18th, 2026 03:08 PM
Walter, I appreciate your feedback. I'm pleased to know that my professionalism met your expectations. Should you need any further assistance, please don't hesitate to reach out.
He was was so patient with us, being Old School & not familiar with this new technology.
Reply from Joe Vergara
March 5th, 2026 03:03 PM
Michael, I'm glad to hear that my patience made a difference for you. Embracing new technology can be challenging, and I'm pleased I could assist you through the process. If you need any more help in the future, feel free to reach out.
10 of 34
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
Search Rank ScoreLearn More →
287
/850
Search Rank Score
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.