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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM(Open now)
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Lower Mortgage - Wilmington
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.
Phil was very informative. Always available to assist with anything.
Reply from Phil Cunningham
December 5th, 2025 02:48 PM
RJ, thank you for trusting me to get this done for you. I am ready for the next one and looking forward to it. Beautiful home. Congratulations!
Phil was great at keeping me in the loop on progress and educating along the way!He did not treat me as though he was rushing through the process or did not have time for me. I have already recommended him to another buyer.
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Reply from Phil Cunningham
December 5th, 2025 02:50 PM
Stacey, I am so grateful for customers like you. I appreciate you sticking with it even when things got a little difficult. Welcome to beautiful Southport!
Phil was outstanding in every area of our experience!
Reply from Phil Cunningham
December 5th, 2025 02:51 PM
Thanks Dink for the kind words. I know that the two of you are excited about the new home! Congratulations
If you're in need of a loan officer who is personable, genuinely committed to understanding your family's financial goals, and gives sound advice from professional and personal experiences- Phil is the one! We've worked with Phil a few times...
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Reply from Phil Cunningham
December 5th, 2025 02:54 PM
Thank you for that awesome review Sandy. It is always a pleasure to help you and Justin. Thanks for trusting me over and over again. Can't wait to see the progress to come and especially the home when it is finished.
Phil was amazing! I'm a first-time homebuyer and was anxious about the process. Phil worked with me for months to make sure I was prepared to purchase my dream home. He took me from being a renter to a homeowner. I'm extremely grateful for...
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Reply from Phil Cunningham
December 5th, 2025 02:57 PM
Kaitlyn, thank you for the review. It is always a pleasure to help someone who is willing to listen and learn. I am so proud of you for sticking with the plan through every twist and turn. You did this my friend, thanks for letting me be part...
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Phil is amazing to work with. He will take care of you like he does his own family. We wouldn’t want to work with anyone else.
Reply from Phil Cunningham
December 5th, 2025 02:59 PM
Thank you for the review Justin. It is always a pleasure to help you and Sandy. Thanks for trusting me over and over again. Can't wait to see the progress to come and especially the home when it is finished.
What can I say...I just love Phil!! Not only were we doing my personal transaction but we were doing two others simutaneously with two of my buyers. We DID IT!! Thank YOU Phil for walking on this journey with me and my clients!! Appreciate...
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Reply from Phil Cunningham
December 5th, 2025 03:02 PM
Stephanie, thank you for the great review. It is an honor to help my business partners with their own purchases. When you first told me about this house and what it would mean for you and Dink it got me excited as well. Thanks again for trusting...
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Phil was very knowledgeable and was so much help in navigating the mortgage process! I would definitely recommend him to anyone needing to go through this process.
Reply from Phil Cunningham
November 25th, 2025 12:03 PM
Amy, thank you for the kind words. You were such a pleasure to work with and I know you are looking forward to getting down to the coast full time. Please let me know when I can assist you again.
Phil had everything covered, was great at giving info. And is a true professional at his job. Im not sure another person can compare to how he treated us in the most helpful way.
Reply from Phil Cunningham
November 25th, 2025 12:02 PM
Thank you Harry for the kind words. Thank you for coming back to me for the second time. I am grateful for customers like you and Kim.
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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.