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
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
John Kulka answered all my questions and concerns. He made my experience easy. Also, a very nice gentelman. I wanted to thank him for helping me.
Deborah Ellison
John always kept me in the loop. Was always curious, answered all my questions no matter what time of day or night. Very easy to work with. He is highly recommende.
Constant communication was wonderful and helped me through the process. Offered advice on how to make process go smoother.
John was great and very professional!!
kept me informed of everything that was going on helped with everything I needed
He is very professional and polite.
Answered all my questions in a timely manner.
John was always ready to help me with forms and anything I didn't understand. He made the process very easy.
communication
John was very easy and efficient to deal with. Accommodating to communication needs and made this easy and effortless
John made it very easy to get through everything and very helpful I would highly recommend him to a friend
John was very professional and caring. He seemed genuinely interested in making the loan process go as smoothly as possible. He kept me informed at every stage of the process.
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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.