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
Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!!
Reply from Phil Cunningham
June 22nd, 2026 07:15 PM
Crystal, I appreciate your kind words and am pleased to hear that you found my professionalism and willingness to help beneficial. I'm grateful for your trust and loyalty, and I'm here whenever you need assistance.
Great communication. Took the time to answer all my questions. Still available even after Closing.
Reply from Jonathan Wood
June 29th, 2026 07:07 PM
Allen, I appreciate your kind words about the communication and support you experienced. I'm glad to have been able to assist you and remain available even after closing. If there's anything more you need, please feel free to reach out.
Great communicator, was always looking out for my best interest.
Reply from Kelly Christian Jennings
June 23rd, 2026 02:36 PM
Alben, I'm grateful for your kind words. It's important to me to prioritize your best interests and maintain clear communication throughout the process. If there's anything more I can assist you with, please let me know.
Phil is very knowledgeable and helpful. Was always available to answer any questions we had throughout the loan process. This is our second loan in 3 years with Phil and would not hestitate to use him again and recommend him to others.
Reply from Phil Cunningham
June 22nd, 2026 01:45 PM
Thank you for the kind review Lisa! It is always a pleasure and reassuring that customers like you and Tim return for you loan needs again and again. I am so glad you reached out again and glad I could assist you. Enjoy that beautiful beach...
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Customer service was everything. Ernest Haynes as his team was outstanding with keeping me informed with pertinent details. My best interest was his number priority. He is very knowledgeable in his line of interest. I will recommend family...
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Reply from Earnest Haynes
June 23rd, 2026 02:10 PM
Thank you for your kind words, Audry. I'm grateful to hear that you felt well-informed and prioritized throughout the process. Your recommendation means a lot to me, and I'm here if you or anyone you know needs further assistance.
Earnest and his team were great to work with. He walked me through the process step by step and was always available anytime I had any questions. I would definitely recommend him to others.
Great customer service and experience.
Lower Mortgage and Jon Wood provided great service. Would highly recommend
I like having direct contact with Jon and office staff. Very important to have a lender that knows my business and is able to adjust quickly. Great experience.
Reply from Jonathan Wood
June 18th, 2026 08:08 PM
Thomas, I'm glad to hear that having direct contact with me and my team was beneficial for you. It's great to know that we could provide the quick adjustments needed for your business. If there's anything more I can do for you, please let me...
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Honest, transparent and always there when I had any questions or concerns. From the first time that I talked with him, his entire team was there to support and explain the entire process to me. This was such a great experience with a lender...
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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.