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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Always kept us updated
Reply from Brian Hafner
September 3rd, 2026 02:49 PM
Thank you for the review!
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Good communication throughout and appreciate haveing Brian at the closing!
Reply from Brian Hafner
September 2nd, 2026 08:25 PM
Thank you for the review! It was great working with you!
Tawna was so patient, informative and kind through the whole process. She listened to all my questions and returned them will helpful advice. Tawna made me feel as though we were a team.
Reply from Tawna Leonard
September 2nd, 2026 05:14 PM
Thank you for sharing your experience, NataLee. I'm grateful for your kind words and happy to know that you felt supported throughout the process. It was a pleasure working with you as a team.
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Brian is a great communicator and followed up with me nearly every day and every step of the way. The process at universal lending is straightforward and efficient. Everyone worked hard to do everything in a timely manner.
Reply from Owner
September 3rd, 2026 02:50 PM
We greatly appreciate the review! I hope you love your new home :)
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Brian and the ktger team members were quick to respond and get on too of things right away from the beginning. There was gardly a day that would go by withiut receiving follow up communication from him ir his team. People always talk about...
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Reply from Brian Hafner
September 2nd, 2026 08:25 PM
Thank you! We hope you love your new home!
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Great service!
Reply from Owner
September 2nd, 2026 08:26 PM
Thank you!
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Ease of process, friendliness, ability to answer all my questions. You guys did your job perfectly and never steered me in the wrong direction
Reply from Brian Hafner
September 2nd, 2026 08:26 PM
We appreciate the review! Thank you for everything!
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From my very first meeting with Brian, I knew I was in good hands. He took the time to listen, answer my questions, explain my options clearly, and make sure I was comfortable with every step of the process. He is knowledgeable, patient, genuine,...
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Reply from Brian Hafner
September 1st, 2026 04:18 PM
You're the best. It truly was an honor helping you buy this home. Thank you so much for the review!
We were treated like we were tho only people that existed. Any reasonable time of day Trina could be reached. Quick and helpful responses no matter the question. Took as much of the stress off of us as she possibly could, and did it with a...
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Reply from Trina Deanne Wood
September 7th, 2026 01:33 PM
Skyler, I appreciate your wonderful words about your experience with me. I'm pleased to know that I was able to make the process stress-free and that my availability and attitude were helpful to you. Thank you for your recommendation; it truly...
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Tawna is amazing to work with. She communicates consistently, problem solves and is ready to close on time. I love working with her and refer her all the time. She has great programs for first time home buyers and knows her stuff!! I love her...
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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.