Lower Mortgage - Wilmington, Wilmington, NC
Wilmington, NC
At Lower 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 ...... Show More
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Their consistent follow-through and quick responses made their professionalism obvious throughout the entire process. They were reliable, attentive, and kept everything moving smoothly from start to finish. It was clear they genuinely cared...
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Terrific team! Very responsive to all questions, would highly recommend!
Quick, concise, honest communication and good advice from the start. Quick replies and transparent answers.
Having electronic documents made closing day extremely smooth. All around good communication and clear
directives.
Phil was instrumental from day one in our second home purchase. He took my call between closings on a busy Friday, and got our application started just a couple of hours later. He was so efficient that I didn't have time to compare with other...
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Reply from Phil Cunningham
May 20th, 2026 01:40 PM
Thank you for the kind review Matthew. I strive to make what can be a transactional business personal. You and Demi were a pleasure to work with and I can't wait to hear about all the family memories you will make at your new place at the beach!...
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Kelly was incredibly efficient throughout the entire process. Most big banks were quoting 30-45 days for VA loans around Camp Lejeune, but Kelly got ours closed in just 16 days. He was very communicative, responsive, and took the time to explain...
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Reply from Kelly Christian Jennings
May 21st, 2026 06:35 PM
Ioan, I'm grateful for your kind words and pleased to know that you found the process efficient and smooth. It was important to me to ensure everything was communicated clearly, and I'm glad my efforts helped facilitate a stress-free experience....
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Phil is absolutely wonderful! I initially reached out to him while he was out of town on vacation and he still took the time to help me with a short turn around time for my closing. His guidance and assistance throughout the process was very...
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Reply from Phil Cunningham
May 20th, 2026 01:44 PM
Thank you for the kind review Amanda. It is an amazing feeling seeing someone so joyous and deserving get into their first home. You made the process easy by trusting and performing at every ask. I am excited that you now have a place you can...
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Earnest is the absolute GOAT. bar none. Clock it. Legally change his name to Himothy.
Reply from Earnest Haynes
May 14th, 2026 12:20 PM
Much appreciated Stephen! Thanks for trusting me with your families first home purchase! It was a pleasure working with you and your wife. I'll work on that name change expeditiously!
Jamie was so kind and knowledgeable. From our very first conversation I felt like we were in excellent hands. We had a wonderful experience and would highly recommend!
Reply from Jamie H Harrington
May 18th, 2026 07:48 PM
I'm grateful for your kind words, Jessica. It's appreciated to know that you felt in excellent hands from our first conversation and had a great experience. Thank you for your recommendation!
Phil is the best! He is so knowledgeable and really helped guide us along the way.
Reply from Phil Cunningham
May 18th, 2026 04:34 PM
Lindsay, I appreciate your kind words and am happy to hear that my knowledge was helpful in guiding you. I'm glad I could support you along the way, and if there's anything else you need, please feel free to reach out.
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About
At Lower 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 offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry leading customer service, we are 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.
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