Joshua McKenzie
VP of Lending | NMLS# 113285
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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Joshua McKenzie has received a review with 5 star rating from Roman S
My wife and I couldn’t be happier with our experience with Joshua McKenzie and the entire Lower Mortgage team. From the very beginning, Joshua was incredibly professional, knowledgeable, patient, and responsive. He took the time to explain...
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Joshua McKenzie has received a review with 5 star rating from Crissy R
Reply from Owner
August 7th, 2026 08:22 PM
Thank you for the five-star review Crissy!
Josh and Antia with Lower Mortgage where so great to work with and made communication wonderful. Both were willing to be there for me even after hours knowing my work schedule which I truly appreciated very much. Their willingness to help along...
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Reply from Joshua McKenzie
August 13th, 2026 11:10 PM
Crissy, I’m grateful for your kind words and recognition of the help you received from both Antia and me. It’s important to us that communication is clear and convenient for you, even outside regular hours. I'm glad we could support you through...
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He was very open and honest about our options and made our dreams a reality by helping us in this process. Answered every question very quickly(trust there was a lot haha) and was always very friendly and polite. Kept us informed and responsible...
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Reply from Joshua McKenzie
July 15th, 2026 09:47 PM
Thank you for your feedback, Genova! It was my pleasure helping you both!
Josh takes his time to explain things very clearly, is responsive , knowledgeable, and trustworthy .
Reply from Joshua McKenzie
June 9th, 2026 10:25 PM
Thank you for letting me help you and your husband again, Jennifer. It's always a pleasure.
Exceptional!
Reply from Owner
June 9th, 2026 10:25 PM
Thank you, Ryan. I appreciate you!
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!
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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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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 113285
Achievements
- Scotsman Guide Top 1% Mortgage Loan Originator
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.