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 kept working on it until he got it. DoneI was a hard case to deal with
Joe was always available even the day of closing, he answered the phone at his kid's soccer game after hours. Kept me informed the entire time.
My husband and I would like to acknowledge the exceptional service that we received during our entire refinancing process. Joe Vergara’s professionalism and knowledge was impressive and truly appreciated. He went above and beyond to ensure...
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He was very helpful and made this a pleasant experience! I enjoyed working with him.
My wife and I recently had the pleasure of working with Joe Vergara of Oxford Home Lending. We could not be happier with our experience. Joe was extremely knowledgeable, professional, and patient as we navigated through the process of refinancing...
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Joe was kind clear and cared.
Joe is very knowledgeable and was a great help. Thank you Joe
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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.