Joshua McKenzie
VP of Lending
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
Wednesday
9:00 AM to 9:00 PM
Thursday
9:00 AM to 9:00 PM
Friday
9:00 AM to 9:00 PM
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Reviews from Web
Josh McKenzie is a pro! Any type of financing projectes tend to be lengthy, over involved, intimidating and usually frustrating. NOT with Josh! He was respectful, knowledgeable and always calm and calculated in his response. He quickly handled...
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Reply from Joshua McKenzie
May 19th, 2026 10:46 PM
Thank you, Ryan! It was my pleasure helping you both.
Josh always works hard for his clients and helps you understand the loan process .
Reply from Joshua McKenzie
April 20th, 2026 05:33 PM
Thank you Emily! It was my pleasure.
Josh made the experience great by being responsive, professional, and easy to work with throughout the process. He kept me informed, answered my questions clearly, and made everything feel much less stressful. I appreciated how helpful and...
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Reply from Joshua McKenzie
March 23rd, 2026 06:08 PM
Thank you Monica! It was my pleasure helping you and Zachary. What amazing timing too!
As a first-time buyer, I truly appreciated how Josh explained every step of the process. He offered helpful advice, answered all of my questions, and was incredibly patient and knowledgeable throughout. I felt supported from start to finish....
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Reply from Joshua McKenzie
March 6th, 2026 02:45 PM
I’m really pleased to hear that you felt supported throughout your home buying journey, Adrianna. It’s important to me that all your questions are answered and that you feel comfortable with each step. If you ever need further assistance or...
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Josh was great to work with.
Reply from Joshua McKenzie
February 27th, 2026 03:39 PM
Thanks so much, Jeffrey. It was a pleasure working with you as well. If you ever have more questions or need assistance in the future, feel free to reach out.
Mr. McKenzie with Lower Mortgage Rates as extremely knowledgeable and professional during the home financing process. He was beyond helpful and expeditious, as well as extremely personable. He provides a common sense logic in the arena of navigating...
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Reply from Owner
February 17th, 2026 08:14 PM
Thank you, Ian. It was my pleasure helping you secure a great mortgage for your new home!
Knowledgable, Friendly and personable. Provided a sense of having my best interest in mind throught the entire process. Was willing to answer ridiculous mortgage or financing questions at any time.
Reply from Joshua McKenzie
April 22nd, 2026 11:37 PM
Thank you Ian; it was my pleasure helping you.
Joshua communicated regularly and clearly. He gave me all the information I needed, and I felt I could trust him.
Thank you so much for all your work on our behalf! You jumped in and gave of your time on a Saturday to get us pre-approved within hours and you made the loan process go so smoothly every step of the way. Thank you!!!
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We really appreciate Josh for taking the time to make sure we understood in detail everything regarding our loan. We also needed an earlier move-in date and Josh made that possible. Thank you for all your hard work with our loan.
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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# 113285
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.