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
for
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!
for
Brian was always so helpful and quick to respond. Made the process so easy. Highly recommend
Reply from Brian Hafner
August 5th, 2026 03:24 PM
Thank you!
for
Brian Hafner has received a review with 5 star rating from Randy B
Reply from Owner
August 5th, 2026 03:24 PM
Thank you!
for
Great communication, great advice, made the process so
Reply from Brian Hafner
August 5th, 2026 03:24 PM
Thank you!
Tawna West great always there when we needed her help through the entire process
Reply from Tawna Leonard
July 23rd, 2026 09:00 PM
Thanks Todd! Happy to help! Hope you are enjoying your new home!
for
Brian was very easy to communicate with and was excellent at answering my many questions I had. Him and his entire team made our home buying experience very pleasant!
Reply from Brian Hafner
July 22nd, 2026 09:37 PM
Thank you so much!
As a first time homebuyer, Tawna made me feel at ease and less stressed about the whole process. She was so nice and friendly and took her time to actually seem like she cared about me throughout the process. Definitely recommend Tawna as a...
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Reply from Owner
July 15th, 2026 10:41 PM
Thank you Lexus! I truly enjoyed working with you! Enjoy YOUR new home!
Tawna was very responsive and replied in a timely manner ! She is so nice and cared every step of the way!
Reply from Tawna Leonard
July 15th, 2026 09:54 PM
Lexus! Thank you for trusting me and my team with your 1st home! It was truly a pleasure!
for
Brian and the entire team at Universal were absolutely phenomenal, they communicated at every step, they were very detailed. We went into the house buying process stressed and lost and the team at Universal made it stress free, i will gladly...
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Reply from Brian Hafner
July 20th, 2026 05:46 PM
Michael, I'm glad to hear that you found the team at Universal helpful and that they made the house-buying process stress-free for you. Your recommendation means a lot to me, and I look forward to assisting you with refinancing in the future....
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for
Everyone involved was great from the start. I was provided with the necessary resources to easily transition through the process. Communication was great and any questions were answered promptly. I feel fortunate to have chosesn Universal Lending...
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Reply from Brian Hafner
July 17th, 2026 02:54 PM
Holly, I'm grateful for your kind words and happy to hear that the process went smoothly for you. It's nice to know that the communication met your expectations and that you felt supported throughout your home-buying journey. If you have any...
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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.