

John Belli
Branch Manager, VP | NMLS# 254976

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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Always available to talk and answer any questions i had. He made everything super easy for us from start to
John was professional and on the ball His knowledge and professionalism aided my decision to have him and his company help me move forward with the loan process.John knew this was my first Home Purchase and even when I was frustrated and felt...
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John is amazing, always helpful and I have trusted him with both of my home purchases so far and will continue to use him!
John was a great resource, quick to respond and made the process easier during a hectic time.
John stepped in and helped us out when another lender failed. We had used him in the past, with great success, and should have gone to him this time. We learned our lesson the hard way and won't make that mistake again. John completed everything...
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John made the experience very easy and simple for us. Great communication and support.
John Belli with Bay Equity Home Loans is a true rockstar in the lending world! I’ve had the pleasure of working with John for years, and he’s consistently professional, responsive, and downright awesome to work with. Whether it's a first-time...
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John is absolutely amazing. :) He is very knowledgeable, puncture, efficient. I had a great experience working with him. He made My life so easy, guide me all the way, no headach. I am so appreciative all. Excellent job. :)
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John was very responsive and worked with us all the way through our loan process. I really appreciated how detailed he was and the time and attention he displayed to both me and my husband . Dont get me wrong, it was stressful but he worked...
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Just a very good experience, made it very easy for me.
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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
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 254976
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.