Universal - Billings, Billings, MT
Billings, MT
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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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Got us into a house and streamlined the buying experience once we got all our I's dotted and T's crossed.
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Brian and his team made the loan process seamless. Minimal stress and great communication throughout the entire process. Would highly recommend.
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I can’t say enough good things about Brian and his team at Universal Lending! From the very beginning, he was incredibly knowledgeable, responsive, and helpful throughout the entire process. He made everything feel so much easier and less stressful...
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Buying our first home felt intimidating, and we fully expected the mortgage process to be stressful and overwhelming. Thanks to Brian, Katelin, and the entire Universal Lending team, it was anything but!From start to finish, every member of...
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Reply from Owner
August 5th, 2026 03:21 PM
Wow! Thank you for the amazing review. We truly appreciate you and were so glad to be able to help you buy your first home!
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Buying our first home felt intimidating, and we fully expected the mortgage process to be stressful and overwhelming. Thanks to Brian, Katelin, and the entire Universal Lending team, it was anything but!From start to finish, every member of...
read more
Reply from Brian Hafner
August 5th, 2026 03:23 PM
Thank you!
Tawna called me or texted me every day. She is dynamic and amazing. I loved working with her and her team.
Reply from Tawna Leonard
August 5th, 2026 03:42 PM
Thank you, Dena! We certainly enjoyed your dedication and enthusiasm for the home buying process! Enjoy YOUR HOME!
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Brian and his team did a great job putting things together so I could get into my first home. Brian is extremely knowledgeable in what he does and he made sure all my concerns were taken care of and all my questions were answered. The whole...
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Reply from Owner
August 5th, 2026 03:24 PM
Thank you!
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Brian and his team have a great process. My loan process was smooth and easy and all the questions that I had were answered.
Reply from Brian Hafner
August 5th, 2026 03:24 PM
Thank you!
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Easy access to everything and it was all straight forward
Reply from Brian Hafner
August 5th, 2026 03:24 PM
Thank you!
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Brian was always so helpful and quick to respond. Made the process so easy. Highly recommend
Reply from Owner
August 5th, 2026 03:24 PM
Thank you!
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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
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.