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
They will walk you through the process step by step.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
Thanks Mr. Sanders!!! I appreciate it!
for
Lower Mortgage - Wilmington
They will walk you through the process step by step.
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
Thanks Mr. Sanders!!! I appreciate it!
I appreciate how Phil went above and beyond to make my home purchase process go as smoothly as possible.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Any effort was worth it. You are so deserving of this new place. We are always here for you.
Very knowledgeable about the mortgage business. And very responsive to our questions and needs.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Kathi, thank you for the kind words. It was a pleasure meeting you and Tom. I know that you are going to love your new home at the beach. Thank you again for trusting me and my team to help.
for
Lower Mortgage - Wilmington
Earnest gave me clear and direct details about every little thing which helped me know more about what I was buying and how the process worked.
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I'm truly grateful for your feedback, Jacob. It's my job to ensure that all my clients are well-informed and comfortable throughout the mortgage process. I'm glad that my detailed explanations served you well. Your 5-star rating is highly appreciated....
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Earnest gave me clear and direct details about every little thing which helped me know more about what I was buying and how the process worked.
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly grateful for your feedback, Jacob. It's my job to ensure that all my clients are well-informed and comfortable throughout the mortgage process. I'm glad that my detailed explanations served you well. Your 5-star rating is highly appreciated....
read more
Great communication
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I appreciate your kind words, Adam. Communication is the backbone of a successful business relationship, so I'm glad to see that you were satisfied with ours. I aim to make every interaction with Thrive Mortgage as straightforward and efficient...
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for
Lower Mortgage - Wilmington
Great communication
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I appreciate your kind words, Adam. Communication is the backbone of a successful business relationship, so I'm glad to see that you were satisfied with ours. I aim to make every interaction with Thrive Mortgage as straightforward and efficient...
read more
Phil, paid attention to every detail and made our "fast" closing painless! Purchase agreement to close in 24 days! Thanks, Phil!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
LuAnn, we could have not done this if you were not so organized. It takes a village of folks pulling together to get it done. Hope you will enjoy having the extra room when family is in town!
for
Lower Mortgage - Wilmington
Earnest was amazing! Made sure everything was clearly explained, was informative every step of the way, and quick to respond and answer questions. Very encouraging and definitely reccomend!
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
Thank you, Deseray, for your kind words and shining 5-star review. I'm overjoyed to know that you had a great experience working with me at Thrive Mortgage. Ensuring a clear understanding and quick responses to all your queries is always my...
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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.