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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I have to give the biggest shout out to Universal Lending- Brian Hafner and his team. Over the last 6 years we have tried 8 different times to get approved for a home loan and talked to multiple different lenders that gave us the run around,...
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Reply from Owner
June 19th, 2026 12:00 AM
Thank you!
for
I have to give the biggest shout out to Universal Lending- Brian Hafner and his team. Over the last 6 years we have tried 8 different times to get approved for a home loan and talked to multiple different lenders that gave us the run around,...
read more
Reply from Owner
June 17th, 2026 06:05 PM
Thank you for the review! It was amazing working with you and making this happen!
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The entire team took so much time listening to our concerns, questions, past difficultie, everything. Truly made us feel heard. And when we were told it was not possible from another lender in town 1 month prior, brian and his team saw the...
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Reply from Brian Hafner
June 19th, 2026 03:41 PM
Thank you!
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The whole process was smooth and had no issues.
Reply from Brian Hafner
June 19th, 2026 03:41 PM
Thank you!
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Great communication and worked with me to make sure the lending was within my budget and price range .
Reply from Brian Hafner
June 16th, 2026 05:33 PM
Robert, I'm pleased to know that the communication met your expectations and that we could work together to ensure the lending stayed within your budget. Your feedback is valued, and I'm here if you need any further assistance.
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Everyone on the team was always very responsive and more than happy to answer any questions we may have had! Buying and selling a home is stressful, and you guys make it easy.
Reply from Brian Hafner
June 15th, 2026 08:20 PM
Brendan, I'm happy to hear that my team and I could make the process of buying and selling a home easier for you. Your positive feedback about our responsiveness is greatly appreciated. If you have any more questions or need assistance in the...
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Brian Hafner has received a review with 5 star rating from Meghan C
Reply from Owner
June 17th, 2026 06:05 PM
Thank you!
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Katelin and Brian were absolutely wonderful. They were readily available to answer any and all questions at any time.
Reply from Brian Hafner
June 12th, 2026 03:01 PM
Meghan, I'm grateful for your kind words about Katelin and me. It's nice to know that we could be available to answer your questions whenever needed. If you have any more questions or need further assistance, please feel free to reach out.
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Everything was communicated well and the app made it easy to follow along. Great experience!
Reply from Brian Hafner
June 9th, 2026 08:36 PM
Teal, I'm glad to hear that the communication and the app made it easy for you to follow along. It's wonderful to know you had a great experience!
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Katelin was amazing with keeping me informed and answering all of my questions (including the repeat/dumb ones). The organization and articulation skills on this team impressed me thoroughly and I would 100% use their services again
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Reply from Brian Hafner
June 8th, 2026 07:40 PM
Cole, I appreciate your kind words about Katelin and the team's communication and organization. It's great to know that you felt informed and supported throughout the process. If you ever need assistance in the future, feel free to reach out....
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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.