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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Reviews from Web
Phil is wonderful to work with. This is our second time. The first for our original mortgage and the second this refi. He is always informative, knowledgeable, and professional.
Reply from Phil Cunningham
November 25th, 2025 12:00 PM
Kim, thank you for trusting me to take care or your refinance for you. It is always an honor to help someone for a second time.
The transactions were easy and Phil took very good care of us. He is an excellent communicator! Thank you so much Phil!!!
Reply from Phil Cunningham
September 24th, 2025 01:29 PM
Dana, thank you and Robbie again for trusting me to assist you again. I am so excited for the two of you and your new home. I am always here when you need me.
Phil's the best !!!!
Reply from Phil Cunningham
September 16th, 2025 05:30 PM
Robbie, you and Dana are more than deserving of your beautiful new home. I know that you will enjoy it. Thank you for trusting me with the planning and execution to make it happen. I appreciate your friendship and support.
Phil is incredible at his job! He is the most knowledgable I have found in his field. He takes care of you like family and I would never use another lender. He is top notch. Thank you Phil for getting my husband and I through this process....
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Reply from Phil Cunningham
September 11th, 2025 02:09 PM
Christen, It is always an honor to help someone more than once with this process. This is our second and thank you for the kind review. It is always easy when helping friends. I am so happy for you, David and your big family! Congratulations!...
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Phil made this the best experience I've ever had working with a lender. He truly cares about his clients.
Reply from Phil Cunningham
September 11th, 2025 02:06 PM
David, thank you for the kind review. Customers that become friends throughout the process is what I strive for and caring is part of that plan. Congratulations on the new home! You Deserve it!
Phil is an excellent communicator that will leave no stone unturned to make sure you get what you need. If I could rate gum higher, I would. We will definitely be coming back for refinancing, as well as recommending him to others.
Reply from Phil Cunningham
September 11th, 2025 02:04 PM
Thanks for the kind words Mike. It is always a pleasure to help dreams come true. I am so glad that everything went smoothly and glad you, Autumn and the entire gang are now down here with the rest of the family. Thank you for your trust in...
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Lower Mortgage - Wilmington
Kevin was fantastic . I had some issues with the home I was purchasing and he walked me through it. His communication was top notch. I will be referring everyone I know to him .
Reply from Kevin Miner
February 10th, 2026 09:31 PM
I'm glad to hear that I could help you through the process and address any issues with your home purchase, Audra. Communication is something I prioritize, so I'm pleased it met your expectations. Thank you for your kind words and referrals;...
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He was always available to answer questions! Overall making a difficult experience easy and I felt good about it every step of the way. I would definitely recommend him to friends and family!!
Reply from Phil Cunningham
September 11th, 2025 02:00 PM
Thank you for the kind words Dennis. Not done yet but we will be there soon!
Phil is an exceptional mortgage agent and has guided and helped us procure three new homes. The "lower" process was simple, quick and saved us a lot of closing time at the attorneys. Thank you to the whole team, for a seamless , enjoyable experience...
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Reply from Phil Cunningham
August 25th, 2025 05:55 PM
Allen, thank you for your continued trust in using me wherever I am, I know that you have been trying to get this one for a while. Thanks also for commenting on my team. They are all excellent at what they do and it is great that you recognize...
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Phil is very easy to work with and always answered any questions immediately
Reply from Phil Cunningham
August 25th, 2025 05:52 PM
Sam, thank you for the great review. I am glad I was able to assist you and get this one behind you. It is always nice to make new friends in the process.
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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.