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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Keep up the great work
Reply from Brian Hafner
March 16th, 2026 02:23 PM
Thank you for your encouragement, Treava. It's wonderful to know that my efforts are appreciated. If you have any questions or need anything else, I'm always here to help.
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Brian and his team were great to work with. They even got us approved on short notice over a weekend. I certainly recommend!
Reply from Brian Hafner
March 13th, 2026 06:43 PM
It’s fantastic to know you had a positive experience, Brock. Helping you secure approval on short notice was a priority, and I’m pleased we could meet your needs. Your recommendation means a lot to me, and I’m here if you have any more questions...
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I recently had the pleasure of working with Brian Hafner and his exceptional team at Universal lending and I can't recommend them enough! From the very beginning, they made the entire loan process smooth and stress free!The team was always...
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Reply from Owner
March 3rd, 2026 08:44 PM
Thank you so much for this! My team and I loved helping you buying your new home. We appreciate you :)
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Everybody was so helpful and there when I needed them!
Reply from Brian Hafner
March 3rd, 2026 05:04 PM
Thank you so much! It was our pleasure :)
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My wife and I were first time home buyers. Brian and his team gave us sound advice and took the time to explain the entire tricky process. Overall it was a smooth and successful experience!
Reply from Brian Hafner
March 3rd, 2026 05:04 PM
Thank you sir! We appreciate the review. Hope you love your new home.
Communication deep concern for my well-being fast and thorough very respectful thank you Tawna
Reply from Tawna Leonard
March 3rd, 2026 05:22 PM
Thank you Patrick for trusting my team and I! It was truly a pleasure working with you!
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Great communication and support through the financing process :) Brian helped me get inyo into a home despite an ongoing divorce and job change :)
Reply from Brian Hafner
March 3rd, 2026 05:04 PM
Thank you! It was a pleasure helping you with your move to MT!
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Brian’s team was amazing. They helped me get into a new home in the midst of a divorce and job change. They were responsive and had great and positive communication. Thank you, team Hafner :)
Reply from Owner
February 24th, 2026 07:58 PM
Thank you for the review! While you had a lot of moving pieces, you made things so easy. We hope you love your new home in MT!
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Everyone on the team made themselves very available for questions and qere were very knowledgeable and able to answer quickly
Reply from Brian Hafner
February 24th, 2026 08:00 PM
Thank you so much! We hope you love your new home!
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very Helpful , quick and efficient. Great people
Reply from Brian Hafner
February 24th, 2026 07:59 PM
Thanks for the review! It was our pleasure helping you and your wife buy a home. We appreciate 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.