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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
He was very good at communicating. Everything was done in a timely manner!
Joe was very communicative, kept in touch with us and proactively reached out to others to make our refinancing experience far easier than we anticipated.
His overall commitment to finding a solution to my problems we discussed about.
Working with Joe Vergara, Senior Mortgage Advisor, was an exceptional experience from start to finish. Joe’s professionalism, deep industry knowledge, and genuine care for his clients truly set him apart. He took the time to understand our...
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Great seamless experience thank you
Joe was able to give me a better loan deal than the one I had previously, he communicated every step of the way to complete the refinance of my loan. He was always available to answer any questions I had promptly. I am very happy! I truly appreciate...
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Joseph gave me honest answer when I had many questions and keep me updated
👍 thank you
Joe was always in touch with us and assisted with all our needs and concerns
He helped us out and went the exta mile for us.
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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.