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
Business Hours
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Seamless. Little to no effort on our part required.
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
My original lender restructured loan terms days before closing, raised the rate without explanation, and created a serious payment dispute with the appraiser that put the purchase at risk.Kelly stepped in, got a clear read on the situation,...
read more
Jon Wood is a fantastic person with whom to work.
He is a great listener and works diligently to try and help you with the most relevant advice and service.
Best loan officer I've ever referred my clients to and will every single time. Smooth from beginning to end and speaking as a Realtor, that very rarely happens in ANY deal. 💪🏾
From the start, Phil maintained clear communication and helped ensure the entire end-to-end process ran smoothly. He was always available by phone or text—sometimes several times a day—to answer questions and provide clarification whenever...
read more
Reply from Phil Cunningham
August 18th, 2026 05:57 PM
Brian, thank you for the kind words. I thoroughly enjoyed working with you to make this happen. I know that you will enjoy the new home. Please let me know if I can ever help you again.
Always great to work with!
Earnest was great at communicating every step of the way. He established great repor with my clients as well. Earnest has been a pleasure to work with.
Reply from Earnest Haynes
August 17th, 2026 11:49 AM
Thank you Ms. Cole! It is equally always great working with you as well! Looking forward to the next one !
Phil did a great job explaining things along the way and walking us through every step. He is very personable and you can tell he truly cares.
Reply from Phil Cunningham
August 18th, 2026 05:53 PM
Samantha, thank you for the kind review. Working with you throughout this process was a pleasure. Thank you for asking the right questions as I know this Construction to Permanent loan has a lot of moving parts. I cannot wait to see the progress...
read more
Awesome 👏🏾
Reply from Earnest Haynes
August 17th, 2026 11:49 AM
Thanks Contrina!
10 of 1753
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.