Michael Swopes
Lower, LLC
The University of Texas at Austin
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
Michael is a true professional! He guided us through the whole refinance process and made it seamless. I would highly recommend him to any one out there looking for a five star loan service provider! Thank you, Michael!!
Reply from Michael Swopes
May 28th, 2026 10:58 PM
Thanks Joe. It was great to work with you, and I appreciate your kind comments.
Michael was very fast, and efficient. Communication was very transparent and thorough. Highly
Reply from Michael Swopes
May 28th, 2026 10:59 PM
Thanks for your kind words Jocelyn. I am happy for you and Eli!
Kept us informed constantly Quick service
Reply from Michael Swopes
May 28th, 2026 11:00 PM
Very kind of you to let me know Donna. It was a pleasure to work with you.
Everything was fast. I found my home and was living in it within a month. Very cool.
Reply from Michael Swopes
May 12th, 2026 07:52 PM
I enjoyed working with you Raul! Enjoy your home.
He helped with every question we had always got the answer for us. Even while on vacation he took our call and helped . It was an awesome experience and in the future if I decide to sell or buy another house i will look for him to help.
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Reply from Michael Swopes
April 22nd, 2026 05:23 PM
Thank you for your kind words and your business, Rene! It was a pleasure for our team to work with you.
Michael is always super prompt and responsive. Made the entire process very smooth. Always a pleasure to work with :)
Reply from Michael Swopes
March 27th, 2026 04:52 PM
Thank you Robin. You know how much I enjoy working with you and Victor. I appreciate you!
Buying my first home felt overwhelming at first, but Michael Swopes made the entire process smooth and stress-free. From the very beginning, he was patient, knowledgeable, and always willing to answer my questions. He took the time to explain...
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Reply from Michael Swopes
March 13th, 2026 06:10 PM
I'm truly grateful for your kind words, Argelic. It was a pleasure to assist you through the homebuying process and ensure things were as clear and manageable as possible. I'm glad I could provide the support you needed and help make your first...
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Michael helped us with our mortgage loan which got us approved and that was amazing
Reply from Michael Swopes
March 27th, 2026 04:54 PM
Thank you for your patience as worked through the loan process, Jerome. It was our team's pleasure to help you and your wife. Congratulations and thank you for your service!
Michael was professional and polite and patiently answered all my questions.
Excellent customer service!
Reply from Michael Swopes
November 21st, 2025 05:30 PM
Thanks Lori. Of course it was a joy to work with you!
Michael is a very knowledgeable and patient professional . He answere all my questions and made the process easy to navigate
Reply from Michael Swopes
March 27th, 2026 04:55 PM
Our team enjoyed working with your as well. Congratulations!
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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
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Medical Professional Mortgages
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Education
- The University of Texas at AustinPolitical Science and GovernmentBachelor of Arts (BA)Aug 1988 -Dec 1994
Memberships
- LeTip International
Addresses and Serving Areas
Year Started
2015
Time Zone
Mountain Standard Time (MST)
Licenses
- NMLS Texas Mortgage Originator
- NMLS New Mexico Mortgage Originator
- NMLS Louisiana Mortgage 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.