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
Communication with myself and my client
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It is always a pleasure working with such a professional Miah!
Phil went over and above. We had a sticky situation near the end of closing and Phil went the extra mile to make sure we all got to the closing table. Thank you for that! You don’t find that often. I would highly recommend Phil to anyone needing...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Laurinda, Thank you for the kinds words. It was a pleasure working with you as well. It is always nice to deal with agents on both sides that go overboard to help the deal go smooth and in the best interest of everyone involved. I look forward...
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for
Donald Owens
Don took time to explain all the details of the transaction.
for
Lower Mortgage - Wilmington
It was quick and easy
for
Lower Mortgage - Wilmington
Constantly communicating
As a first time homebuyer Earnest kept me informed of everything going on with my loan start to finish he notified me immediately when he knew something, and answered all my questions I highly recommend Earnest as a loan officer
Reply from Earnest Haynes
April 3rd, 2026 06:33 PM
I'm truly glad to hear that you had a positive experience working with me, Heather. Being a first-time homebuyer can be an exciting yet daunting process. Thus, my primary goal has always been to keep my clients well-informed and comfortable...
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for
Lower Mortgage - Wilmington
As a first time homebuyer Earnest kept me informed of everything going on with my loan start to finish he notified me immediately when he knew something, and answered all my questions I highly recommend Earnest as a loan officer
Reply from Earnest Haynes Jr
March 1st, 2025 08:22 AM
I'm truly glad to hear that you had a positive experience working with me, Heather. Being a first-time homebuyer can be an exciting yet daunting process. Thus, my primary goal has always been to keep my clients well-informed and comfortable...
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Phil Cunningham
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It was as always a pleasure working with you again Gail.
Phil made it as easy as possible. Almost made me happy about spending money! :-)
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
That is the least I could do Jerry. Thank you for always trusting me to help!
for
Donald Owens
Don and Anthony made w process easy and answered all our concerns and made it all work out! Buying a house is nerve racking, but they made it less stressful. Thank you so much.
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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.