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
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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
What made working with Josh great was that he provided expert advice that helped my husband and me get a loan that worked for us! I would recommend others to Josh for his experience and helpful advice.
Reply from Joshua McKenzie
November 7th, 2025 09:19 PM
Thank you for the review, Cierra. It was my pleasure helping friends secure their new home!
Joshua was very informative, communicative, always available for questions or concerns, and extremely personable. This is the second time he has helped us purchase a house and there was a reason we sought him out when we needed to move and...
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Reply from Joshua McKenzie
November 7th, 2025 09:18 PM
Thank you for the feedback Chris! I always enjoy working with you and your wife. Enjoy the new home!
JOSH DID EVERYTHING HE COULD TO GET MY VA LOANAND TO GET ME A LOWER ENTEREST RATE.
I SHOULD OF PROBABLE GIVE HIM 5, BUT I DONT GIVE PERFECT SCORES ON SURVEYS THAT OFTEN.
Reply from Joshua McKenzie
June 9th, 2026 10:29 PM
I appreciate the feedback, Paul. Next time we'll get that perfect score. :)
Josh was professional, knowledgeable, & prompt! Using Josh as our lender, we were given in depth education so that we could find the best lending option for our family’s needs. If you’re looking to buy your first home or your next home, I would...
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Reply from Owner
October 23rd, 2025 02:16 PM
Thank you Cierra. I appreciate your feedback and I’m so happy for you and your husband. Enjoy the new home!
Awesome!!! we just bought our first home and is was a smooth experience , even when I got stressed and reached out to Josh he answered my questions amd calmed me down . He made sure that I knew everything that was going on . he would reach...
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Reply from Joshua McKenzie
September 22nd, 2025 06:23 PM
Thank you, Brian! It was my pleasure helping you out. Enjoy your new home!
Strongly recommend Josh at MortgageOne. Helped me along the way with a very friendly and professional manner.
Reply from Owner
February 24th, 2025 09:31 PM
Thank you Ian, it was my pleasure. Enjoy your new home!
We just worked with Josh on the purchase of our home. I would recommend him to anyone needing a lender. Josh is very easy to work with and explained everything in detail when we had questions. He is very responsive and always answered his calls/texts/emails...
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Reply from Owner
January 8th, 2025 03:32 AM
Thank you Anne! It was my pleasure helping your family.
Josh has been the absolute best to work with. Made the whole process of buying our first home easy for my family and I! I can’t recommend Josh and his team at MortgageOne, Inc. enough! We are very satisfied!
Reply from Owner
September 8th, 2024 05:44 PM
Thank you for the wonderful review, Alex. It was my pleasure helping you and your family into your new home. You earned it!
We can't thank Josh enough for his exceptional service as our home loan lender. Josh made our first-time home buying experience incredibly smooth and stress-free
Reply from Josh McKenzie - Mortgage Branch Man...
August 1st, 2024 08:17 PM
Thank you for your wonderful feedback, Samantha! It was a pleasure helping you both. I hope you love the home and enjoy being back in the Tri-Cities. 😀
We can't thank Josh enough for his exceptional service as our home loan lender. From the beginning, he was attentive, informative, and a true professional. Josh made our first-time home buying experience incredibly smooth and stress-free. His...
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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.