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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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
How helpful and how much time he took and also he ALWAYS looked into everything right away. I would highly recommend working with him
joe vega was excellent very knowledgeable
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!
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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.
Joe was upfront, honest and professional. He was always willing to go the extra mile to fix something, get the answer or just to get the task done. I could not be any happier with how smoothly it went and it was mainly because of Joe. Appreciate...
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Reply from Joe Vergara
February 16th, 2026 02:07 PM
Thank you, Justin, for your generous words. I'm glad to hear you were pleased with the process and that I could make things go smoothly for you. It was great working with you, and I truly appreciate your kind wishes. Best to you and yours as...
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Joe was very informative and patient. He responded quickly to my texts and emails.
Joe was kind, understanding,, helpful. Didnt make you feel judged. When we had questions he was there anytime day or not. Helped us to relax and not to worry. We enjoyed working with Joe and his team. Tha k you Joe for all you dod for us. We...
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Joe and his colleagues at Oxford were extremely knowledgeable, helpful, patient, and proactive. They made the entire process seamless and efficient.
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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.