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
Fast and easy process and John answered all questions we had without hesitation and seemed happy to help
John was ectremely patient and explained everything I asked very well. He was able to explain things in terms that I could understand. He walked me through every step and always gave me a call when they next step was ready. Highly Highly recomend...
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Fantastic and timely
John was knowledgeable, and answered all of our questions. He was patient with us, as we had some changes, and communicative. He was always pleasant, and followed up with us like he said he would. Overall, he took care of us really well!
John’s knowledge and experience made the process easy and fast
Reply from John Kulka
September 29th, 2024 03:17 PM
HI again Gregg, thanks for the great review! It was a pleasure working with you also, it takes both parties to make these transactions go smoothly. Thanks again...John
Easy and fast
Reply from John Kulka
September 29th, 2024 03:18 PM
Hello again Mr. Medllin, thanks for the great review. It was a pleasure woking wth you also.
John
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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.