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
did not receive closing disclosure til after signing
Mike was just fantastic to work with. He kept us apprised of what was happening and what we needed to do next. It was a pleasure to work with him and his team!!!!
Reply from Michael Joseph Cafarella
April 14th, 2026 01:45 PM
Nancy, I appreciate your kind words and am glad to hear that you had a positive experience working with me and my team. Keeping you informed throughout the process is important to me, and I'm happy it made the experience enjoyable for you....
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Communication, advise and all hard work
Michael handled our transaction great. As a real estate investor, I value the transparancy and execution that Michael brings to every deal. Closed on 2 properties with him back in Feb 2026 and look forward to more.
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Reply from Michael Joseph Cafarella
April 3rd, 2026 04:16 PM
Cameron, I appreciate your feedback and am glad to hear that you found the transactions smooth and transparent. Working with you on your real estate investments has been a privilege, and I look forward to continuing our partnership in future...
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Advertised as free refinancing but that's not really the case. We paid about $12,000 in fees and other costs. They are just built into our new loan. We are still paying them.
Reply from Michael Joseph Cafarella
March 30th, 2026 03:37 PM
Colin, thank you for sharing your experience. I understand the importance of transparency with refinancing costs, and I'm here to help clarify any details about your loan. Please feel free to reach out to me directly to discuss any concerns...
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Great communication and provided us with many options to fit our needs . We would definitely us Michael again . He made the process so easy and seamless.
Reply from Michael Joseph Cafarella
March 26th, 2026 08:57 PM
I appreciate your kind words, Jillian. It was a pleasure to assist you in finding the right options. I'm glad to hear that the process felt easy and seamless for you. If you need anything else in the future, please feel free to reach out.
Mike was a good communicator and very responsive to questions He did not push but was a font of knowledge
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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.