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
Happy to explain the numbers Multiple times. Always made sure I understood.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm glad to hear that you found our meetings helpful, Tina. It's important to me that all my clients fully understand their financial options, so I'm always happy to go over the numbers as many times as necessary. I'm thrilled that you had...
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Lower Mortgage - Wilmington
Happy to explain the numbers Multiple times. Always made sure I understood.
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I'm glad to hear that you found our meetings helpful, Tina. It's important to me that all my clients fully understand their financial options, so I'm always happy to go over the numbers as many times as necessary. I'm thrilled that you had...
read more
Great customer service experience, willingness to answer each question that was asked, hard work and dedication when provided documentations to get me a step closer to becoming a homeowner. Definitely 1000/10 and would highly recommend.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear your positive feedback, Alexis. It was my pleasure to guide you through each step of the home buying process, answering your questions, and providing the necessary documents. I'm dedicated to making sure every client feels...
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for
Lower Mortgage - Wilmington
Great customer service experience, willingness to answer each question that was asked, hard work and dedication when provided documentations to get me a step closer to becoming a homeowner. Definitely 1000/10 and would highly recommend.
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I'm thrilled to hear your positive feedback, Alexis. It was my pleasure to guide you through each step of the home buying process, answering your questions, and providing the necessary documents. I'm dedicated to making sure every client feels...
read more
Ernest was a pleasure to work with. Very communicative
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm glad to hear that you found our interactions to be pleasurable, Ebony. Communication is key in my line of work at Thrive Mortgage, so it's encouraging to hear that my efforts were well-received. I aim to provide such positive experiences...
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for
Lower Mortgage - Wilmington
Ernest was a pleasure to work with. Very communicative
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I'm glad to hear that you found our interactions to be pleasurable, Ebony. Communication is key in my line of work at Thrive Mortgage, so it's encouraging to hear that my efforts were well-received. I aim to provide such positive experiences...
read more
Knowledgeable and pleasant
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Jamiea! I look forward to deals in the future with you!
for
Lower Mortgage - Wilmington
Knowledgeable and pleasant
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
Thanks Jamiea! I look forward to deals in the future with you!
I had a fantastic experience with Phil and the Atlantic Bay team, Phil was incredibly helpful throughout the entire process. His clear and consistent communication made it easy to understand each step, alleviating any anxieties I had. I highly...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Joe, Both you and Des were awesome to work with and I know that you will enjoy your new home. It is always nice to make new friends in the process and I feel we have made that happen! Thank you for allowing my team to assist you with this....
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Everyone was communicating so we all was on the same page during this process.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm thrilled to hear that you had such a positive experience with us at Thrive Mortgage, Torry! Clear and consistent communication is a crucial part of our work, and it's fantastic to know that this aspect of our service stood out to you. Your...
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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.