John Kulka
Lower, LLC
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
Sat
closed
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closed
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Reviews from Web
John is phenomenal. This is our second time doing business with John. I would not even consider going to anyone else for these type of transactions. He is thorough, knowledgeable, easy to communicate with and responds immediately to any confusion...
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Reply from John Kulka
May 6th, 2026 02:11 PM
Thank you so much for your kind words, Patricia. I'm pleased to hear that you found the experience positive and felt comfortable reaching out with any questions. It's always a pleasure working with you, and I'm grateful for your trust and confidence...
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The process went very smooth.
Reply from John Kulka
March 23rd, 2026 07:21 PM
I’m glad to hear that the process went smoothly for you, Shane. It’s important to me that everything goes as seamlessly as possible. If you have any further questions or need anything else, please don’t hesitate to reach out. Thank you for...
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John was very helpful and responsive in all communications. He gave great recommendations and made us feel very comfortable throughout the process.
Reply from John Kulka
March 23rd, 2026 04:19 PM
I’m grateful for your feedback, Kelly. It's encouraging to know that you felt comfortable and found the recommendations useful throughout the process. If you ever have more questions or need further assistance, I'm just a message away. Thank...
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John seemed and acted very sincere with decisions that had to be
John was communicative throughout the process, always updating us along the way. John was also very pleasant and gave great advice to us. It was lovely to work with John again!
Reply from John Kulka
February 16th, 2026 04:11 PM
I truly appreciate your kind words, Daika. It was a pleasure working with you again and I'm glad to hear that you found the updates and advice helpful. Should you have any more questions in the future or need assistance, feel free to reach...
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John is a very wonderful person. He was more like family. It was like I had known him forever
My husband and I just refinanced our home and we worked with John Kulka. John walked us through each step of the refinance process on a timely basis. He worked diligently to get us the best mortgage rate and obtain significant cash back on...
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John is on point and very experienced with in everything to make u very comfortable indeed of transitioning into buying a
John was honest and up front. He was in contact with me daily. He answered every question I had. He is an excellent loan adviser. Will recommend him to others.
Very helpful, very knowledgeable, great communication. 10/10
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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
Mortgage Refinance
Specialities
Mortgage Refinance
Mortgage Purchase
VA Mortgage
FHA Mortgage
Conventional Mortgages (Fannie Mae, Freddie Mac)
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Year Started
2023
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2002055
Hobbies
- Fishing, Camping, Woodworking
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.