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
Jon was great at answering questions, providing options, and was always very responsive. The process was as easy as I could expect. Would highly recommend!
What made it great was Phil. He was always communicating what was going on. If there was a delay, he let me know why. Phil made this process easy and I am forever grateful for that.
Reply from Phil Cunningham
July 21st, 2025 05:43 PM
Laurie, I'm really pleased to hear about your positive experience. It is always a blessing to help someone for the second time. Keeping you informed and making the process as smooth as possible is always my goal. It's great to know that I was...
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Phil and his team went above and beyond throughout this whole process. We couldn't have done it without them!
Reply from Phil Cunningham
June 16th, 2025 12:55 PM
Thank you Lena. I always appreciate any opportunity to help your family.
Excellent and knowledgeable experience
Reply from Phil Cunningham
June 12th, 2025 12:43 PM
I'm thrilled to hear that you found the experience excellent and knowledgeable. It was a pleasure assisting you, and I appreciate your feedback.
You were always accessible and helpful
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Lower Mortgage - Wilmington
The fact i was able to track progress and reach out to get assistance and education when i needed extra assistance. I love the support system they set up. It was a stressful experience but not because of anything you all did. Thank you and...
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Reply from Kevin Miner
February 10th, 2026 09:32 PM
Katrin, I'm really glad to hear that you found the support system helpful and that I could assist you when needed. I understand how stressful these experiences can be, and I'm pleased to know that our approach made a positive difference for...
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Injabe worked with Phil for years and highly recommend him.
Reply from Phil Cunningham
June 12th, 2025 12:44 PM
Paul, Thank you for your kind words and recommendation, Paul. I'm glad to have had the opportunity to work with you over the years. If you have any more feedback or need assistance in the future, please feel free to reach out.
Phil was on top of things 24/7. If we had any questions he was quick to answer and would have calls with us about anything we needed to.
Reply from Phil Cunningham
June 12th, 2025 12:46 PM
Ben, thank you for the kind words and review. It was a pleasure to get to know you both throughout the process. I look forward to our relationship going forward. It is so fulfilling working with first time homebuyers like you both.
Phil and his team worked magic getting my family and I our dream home we are so blessed and thankful to have worked with Phil again.
Reply from Phil Cunningham
June 12th, 2025 12:46 PM
I'm thrilled to hear that you and your family had a wonderful experience securing your dream home. It was a privilege to work with you again, and I appreciate your kind words. Wishing you all the best in your new home! Also thanks for referring...
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Gret communication.
Great response time to questions.
Streamlined closing.
Reply from Phil Cunningham
June 12th, 2025 12:48 PM
Greg, thank you for trusting me to help. It means a lot to me to have a fellow real estate professional reach out. I'm thrilled to hear that you found the communication and response times effective, and that the closing process was streamlined....
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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.