Universal - 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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
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We’ve had the best experience working with Universal Lending. They’ve been on top of everything, answered every single question (and we had a lot 😅), and made the whole process feel way less overwhelming than we expected.I also know Brian...
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Reply from Owner
March 17th, 2026 04:33 PM
Thank you for the review. My team and I are so excited to get you into your new home!
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Best experience we’ve had. We wouldn’t go through anyone else. Excellent constant communication. Kept us in the know from beginning to end. One of the most seamless and successful experiences in buying a home ever! ❤️ ❤️ ❤️
Reply from Owner
March 17th, 2026 02:48 PM
Thank you for the review! Katelin is amazing and it was a pleasure helping you purchase your home! We appreciate the kind words.
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I highly recommend Universal Lending for your home loan needs. Brian and all the staff made the application and closing process very direct and smooth. Their team was professional and knowledgeable!
Reply from Owner
March 17th, 2026 02:49 PM
Thanks so much for the review. It was a pleasure working with you to get you into your new home. Glad we were able to save you some money on your closing costs taking advantage of our employee benefit program.
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I had an outstanding experience working with Brian Hefner at Universal Home Lending. From start to finish, Brian was professional, knowledgeable, and incredibly responsive. He took the time to explain every step of the mortgage process and...
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Reply from Owner
March 16th, 2026 08:49 PM
My man. Thank you for the great review! It was so great helping you and Ellie by your forever home. Thank you for the trust. Wishing you guys the best!
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Brian and his team are amazing! I felt like I was really guided every step of the way to make this experience as painless and seemless seamless as possible! Very communicative and on top of it throughout the whole process so I never felt in...
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Reply from Owner
March 16th, 2026 08:45 PM
Thank you for the review!
The communication and quickness of everything made the experience extremely easy for us.
Reply from Tawna Leonard
March 16th, 2026 03:33 PM
Thank you Krystal! You made the process smooth! So happy to help you and your family move into homeownership!
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Brian was super detail oriented and prompt and he got me a fantastic rate!
Reply from Owner
March 16th, 2026 08:30 PM
Thank you sir! It was a pleasure working with you. Glad we were able to get everything done and get you that rate :)
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Made our home buying process fun and easy! Definitely recommend to anyone in the market!
Reply from Owner
March 10th, 2026 02:23 AM
Thank you so much! Reviews like this mean the world!
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Brian and his team made everything super easy and super fast!
Reply from Brian Hafner
March 17th, 2026 02:38 PM
I'm glad to hear that the process was smooth and efficient for you, Brendan. Making things easy and quick is always my goal. If there’s anything else you need or if you have more questions down the line, feel free to reach out.
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We used Brian Hafner and his team at Universal Lending Homes for purchasing our first house and just recently refinanced with them. When I tell you that the process is smooth, I mean that. They are amazing to work with, and they have me as...
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Reply from Owner
March 10th, 2026 02:24 AM
Thanks so much for the kind words. It was a pleasure working with you. We are always here for 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.