Josh Stephens
Sr. Mortgage Advisor | NMLS# 1698827
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
Sun
closed
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
He was very informative, knew what to do and always made time for my questions/concerns! Highly recommend!
Reply from Josh Stephens
September 8th, 2026 07:52 PM
Molly, I'm happy to hear that you found my assistance informative and appreciated the time I dedicated to your questions. Your recommendation means a lot to me. Thank you!
Calling me back on time telling me what I need to do every thing that I wanted for the lone he was grateful and I am caring thanks for everything
The overall experience was better than I received from other, although there was too much back and forth with the Truth and Lending statements which was not needed before the Appraisal report. Overall I received the best offer from Lower Loans...
read more
Josh himself, everything went very fast and he kept me up dated the hold time..
Reply from Josh Stephens
May 20th, 2026 03:16 PM
William, I'm grateful for your kind words. It's great to know that you appreciated the speed of the process and felt informed throughout. Thank you for choosing to work with me!
4 of 4
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1698827
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.