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
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Reviews from Web
Very communicative and helpful throughout the entire process. Made buying a house very simple.
Reply from Kelly Christian Jennings
September 7th, 2026 06:00 PM
Kyle, thank you for your kind words. I'm pleased that I could help make the home buying process simple for you. If you have any more questions or need further assistance, feel free to reach out.
Kelly is wonderful to work with! I was initially concerned that working with a lender located roughly four hours away might make the process more difficult. However, after completing two transactions with Kelly, I can confidently say the distance...
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We had a wonderful experience working with Phil on our personal home purchase. Phil did an excellent job educating us throughout the process, clearly explaining our options and helping us feel confident in each decision. We also really appreciated...
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Reply from Phil Cunningham
August 27th, 2026 04:56 PM
London, thank you so much for the kind review. It is always a pleasure when I can work with one of my favorite realtors. It is even more special to work with you and Scott on your personal home. You are so easy to work with every time we complete...
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Very honest, communitive, and educated on the process.
Reply from Earnest Haynes
September 2nd, 2026 01:32 PM
VaMiche, I'm grateful for your kind words about my honesty and communication. It's important to me to be well-informed and share that knowledge with you during the process. If there's ever more I can do for you, please feel free to reach out....
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The consistency of communication, and attitude.
Reply from Earnest Haynes
September 1st, 2026 03:47 PM
Tatianna, I appreciate your positive feedback on my communication and attitude. It's great to know that these aspects were valuable to your experience. If you have any further questions or need assistance, feel free to reach out.
Earnest was amazing
Reply from Earnest Haynes
August 26th, 2026 01:45 PM
Thanks Amanda! It was a pleasure working with you as well!
Personal, hands-on approach by Jon and staff. Pro-active communication and led us through the process.
Seamless. Little to no effort on our part required.
Reply from Phil Cunningham
August 27th, 2026 04:51 PM
Thank you for the kind review Scott. I was honored to assist you with this. It is also nice to know that it seemed easy for you both. I know that you will make a lot of great memories in this home!
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
Reply from Phil Cunningham
August 27th, 2026 04:52 PM
Michael, I appreciate your kind words and recommendation. I'm glad I could assist you through the loan process and share my knowledge with you. We are not done yet! I cannot wait to watch the progress on your dream home construction and see...
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My original lender restructured loan terms days before closing, raised the rate without explanation, and created a serious payment dispute with the appraiser that put the purchase at risk.Kelly stepped in, got a clear read on the situation,...
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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.