M
Michael Joseph Cafarella
Loan Officer
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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Business Hours
Wed
9 AM to 5 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
I was told every step and had all my questions answered. I didnt feel like I was left in the dark on anything.
MIchael's knowledge, timiliness and enthusiasm throught the whole process was amazing. From start to finish, he responded to messages, and calls not matter the time or day. He was very professional and also spoke with you as if you knew him...
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Reply from Michael Joseph Cafarella
August 14th, 2026 06:28 PM
Rachel, I'm grateful for your kind words and appreciate your recognition of my professionalism throughout the process. It's wonderful to hear that my efforts to communicate promptly and effectively made a positive impact. Thank you for sharing...
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Thank you so much, Mike, for all of your hard work and support throughout my home buying process. As a first-time buyer, I truly appreciated how clearly you explained each step to my son and how responsive you were to his questions.You helped...
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Reply from Michael Joseph Cafarella
July 27th, 2026 05:29 PM
Marva, I'm grateful for your kind words and am so pleased to know that you and your son found my support helpful during the home buying process. It's important to me to make sure first-time buyers feel informed and at ease. If you have any...
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Mike is a knowledgeable guy great to work with I hope this isn't the last time I'm working with him.
Reply from Michael Joseph Cafarella
July 23rd, 2026 06:32 PM
Richard, I appreciate your kind words and am glad to know you found working with me a positive experience. It would be great to have the opportunity to work together again in the future. If you ever need assistance, please don't hesitate to...
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He was very attentive and helped us at every turn. He seemed to be very high in spirits all the time. He was very helpful and knowledgeable about the process and answered all our questions.
Reply from Michael Joseph Cafarella
July 15th, 2026 02:13 PM
Gabriel, I appreciate your kind words about my attentiveness and knowledge. I'm pleased to hear that I could assist you throughout the process and maintain a positive spirit. If you have any more questions or need further assistance, please...
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Mike is someone you want in your corner when buying a house. He provided the best information, gave great details, and was truly a help. His flexible availability and his great communication allowed for us to connect with our own personal lives....
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Reply from Michael Joseph Cafarella
July 13th, 2026 06:46 PM
Madison, I'm grateful to know that you felt supported throughout your home buying process. It's important to me to provide clear and helpful information, and I'm glad my communication and availability fit your needs. Thank you for your kind...
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Very informative and easy to talk to.
Reply from Michael Joseph Cafarella
June 22nd, 2026 02:12 PM
Daniel, I'm happy to hear that you found our conversations informative and easy. It's important to me that my clients feel comfortable and well-informed. If there's anything else you need, feel free to reach out.
Good relationship
Reply from Michael Joseph Cafarella
June 22nd, 2026 02:04 PM
Andrew, I'm glad to hear that you had a good relationship with me. Building strong connections with my clients is important, and I appreciate your feedback. If there's anything more I can do for you, just let me know.
Michael was always in constant communication during the process
Reply from Michael Joseph Cafarella
May 28th, 2026 02:06 PM
Daniel, I'm pleased to hear that the communication throughout the process met your expectations. Keeping my clients informed is a priority for me. If you have any further questions or need assistance, please let me know.
Michael listens and gets creative, working with clients and getting the job done. This is the second time we have worked together, refinancing and purchasing our home. I have referred two friends/clients.
Reply from Michael Joseph Cafarella
May 26th, 2026 04:05 PM
Olivia, I'm grateful for your continued trust and the referrals you've made. It's great to hear that my approach has been effective in both your refinancing and home purchasing experiences. If there's anything more I can assist with, please...
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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
Eastern Standard Time (EST)
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.