

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
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9 AM to 5 PM(Open now)
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closed
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closed
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Reviews from Web
Earnest is the best! He always goes above and beyond when assisting my buyer clients!
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate you!! It's always a pleasure working with someone who equally cares about their client like you do!! Thanks for the kind words!
Everything
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks for the high rating, Jarell! I'm glad to hear you had a positive experience. If you have any questions in the future or need further assistance, please don't hesitate to reach out.
Everything
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
Thanks for the high rating, Jarell! I'm glad to hear you had a positive experience. If you have any questions in the future or need further assistance, please don't hesitate to reach out.
Thanks John and Felicia, easy cheesy
Phil was extremely helpful in making this mortgage happen and getting me the best rate. He was available when I had a question and never made me feel like I was bothering him when I did. He was extremely instrumental in catching and fixing...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Laurie, You were a pleasure to work with and I cannot wait to see the transformation of the house. I know that you are going to enjoy it for a long time. Welcome to the beach!
Purchased 3 homes in the past and this was by far, the easiest process.
GREAT experience
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Glad we were able to get it done Darrell. Hope you and Debbie enjoy the new home!
I was very pleased with the communication. We were always updated and my client was extremely pleased with the process and the time Earnest spent educating her on the each line item. Looking forward to working with Earnest again.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Gleshia! I look forward to the next one!
I was very pleased with the communication. We were always updated and my client was extremely pleased with the process and the time Earnest spent educating her on the each line item. Looking forward to working with Earnest again.
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
Thanks Gleshia! I look forward to the next one!
He was quick and responsive and everything was ready on time. Thanks!
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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.