Lower Mortgage - 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
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9 AM to 5 PM(Open now)
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closed
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closed
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Reviews from Web
Phil's personal attention and pleasant character. He was right on the mark on all transactions. Made it all seam effortless. I am very grateful for his expertise and advice.
Reply from Phil Cunningham
March 3rd, 2026 05:17 PM
I'm grateful for your kind words, Doris. It's rewarding to know that my personal attention and approach resonated with you. I'm pleased that the process felt seamless and that my advice was valuable to you. If you have any further questions...
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Lower Mortgage - Wilmington
A+ good service
Reply from Kevin Miner
February 10th, 2026 09:31 PM
I'm glad to hear that you had a positive experience with my services, Wade. Thank you for taking the time to share your feedback. If you need any further assistance, feel free to reach out.
Phil was always very helpful and able to answer every question! He always kept in contact every step of the way!! Would definitely recommend him!
Reply from Phil Cunningham
March 3rd, 2026 05:29 PM
Thank you for sharing your kind words, Dennis. I'm pleased to know that my communication and assistance made a positive difference throughout your experience. It’s important to me that you felt supported at each step. Your recommendation is...
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Lower Mortgage - Wilmington
Excellent communication and explanation throughout the entire process
Reply from Kevin Miner
February 10th, 2026 09:31 PM
I'm grateful for your positive feedback, Roger. I'm pleased to hear that you appreciated the communication and explanations provided. It was important to me that you felt informed and comfortable with every step of the process. If there's anything...
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Ernest was with me from day one. He guided me through the home buying and securing a mortgage effortlessly. Huge support system. Available and ready for any questions or concerns. He made what can be a tedious process so much easier. He's the...
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Reply from Earnest Haynes
April 21st, 2026 04:29 PM
Thank you so much for your kind words, Cherri. I'm glad I could support and guide you through the home buying and mortgage process. It’s great to hear that I could make the experience easier for you. Congrats again on your new home!
for
Lower Mortgage - Wilmington
Ernest was with me from day one. He guided me through the home buying and securing a mortgage effortlessly. Huge support system. Available and ready for any questions or concerns. He made what can be a tedious process so much easier. He's the...
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Communication, communiation, communication!!!
Reply from Phil Cunningham
March 3rd, 2026 05:18 PM
Jerry, effective communication is something I prioritize to ensure everything goes smoothly and clearly for you. I'm glad that stood out in your experience. If there’s anything more you’d like to discuss or need assistance with in the future,...
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Lower Mortgage - Wilmington
Kevin and the team gave alot advice and guidance that the whole experience felt like a breeze. this company made it all worth it and had more communication then you could want.
Reply from Kevin Miner
February 10th, 2026 09:32 PM
I'm grateful for your kind words, Justin. It's great to hear that the advice and guidance I provided made your experience smooth and enjoyable. Communication is important to me, so I'm pleased it contributed positively to your experience with...
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Phil was very informative on everything.Always kept us up to date on happenings for my mortgage.Always nice to talk with him and very friendly
Reply from Phil Cunningham
March 3rd, 2026 05:20 PM
Thank you for your kind words, Mike. I'm glad to know that you found my communication informative and enjoyed our interactions throughout your mortgage process. Keeping my clients updated and being approachable is important to me. If there's...
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Earnest was very helpful, sometimes you feel it's not working but with him explaining things really helps, which I really appreciate. Thank you Earnest.
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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.