Lower Mortgage - Orlando, FL
Orlando, FL
At Lower, LLC 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, L... 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
Patrick was amazing to work with. Friendly. Knowledgeable. Always readily available to answer questions. He also got us the lowest rate after shopping around multiple lenders. Would highly recommend!
Reply from Owner
July 10th, 2020 12:00 AM
Thank you for refinancing with Patrick! We appreciate the review. A loan originator who is knowledgeable in their field and dedicated to giving their clients the best refinance or mortgage experience possible is always amazing. We hope you...
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Todd Richards was very professional and always called me back when I had questions or concerns as well as give me advice on what is best for me on buying my home. I highly recommend Todd!
Reply from Owner
June 5th, 2020 12:00 AM
Thank you for writing this review! We are very pleased to hear that you had such an excellent experience with Todd! You're right that he is very knowledgeable and exceptional at answering questions! Enjoy your new home! We hope to work with...
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Patrick was involved with the purchase of current house 3 years ago. Everything then went super smoothly. He was prompt, informative and reliable as was his team. Patrick continued to answer our questions over the last 3 years. We just recently...
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Reply from Owner
May 29th, 2020 12:00 AM
Thank you for writing this review. We agree that Patrick and his team make the process smooth and understandable! We hope to work with you again in the future!
Working with Patrick has been another awesome experience. I financed my first home loan through him and WaterStone and was able to refinance almost 5 years later through them as well. Patrick is quick, attentive, and a great communicator. He...
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Reply from Owner
May 29th, 2020 12:00 AM
Thank you for taking the time to write this review! We are thrilled to hear that you Patrick provided excellent, quick, and attentive communication for you! Thank you for financing and refinancing with us! We hope to work with you again someday!...
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It was a long process because of my own situation like we most have when buying your first home. Patrick stuck it out with us gave us so much help and knowledge along the way that I’ll forever be grateful. I highly recommend Patrick and Thom...
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Reply from Owner
April 1st, 2020 12:00 AM
We are so glad that you had a hardworking loan originator by your side, to help you through your first homebuying experience. We hope you are enjoying your new home and sincerely appreciate you taking the time to share your experience.
Purchasing our home was about as seamless as it could have been thanks to Patrick & his team. Timely, informative and thoughtful. Great communication and let us ask all the questions we needed to feel like we understood every step. Thank you...
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Reply from Owner
February 21st, 2020 12:00 AM
Thank you for sharing your wonderful experience with us, Tim. Having a knowledge team by your side makes the loan process smooth and easy. We hope you are enjoying your new home. Thanks again!
I am SO happy we went with Patrick to help us with our refinance! He was so professional, answered all of our questions, and truly helped us in this stage to change our lives for the better. And that isn’t an exaggeration! He was quick to respond...
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Reply from Owner
February 19th, 2020 12:00 AM
We are so happy that you entrusted Patrick and Waterstone Mortgage, to assist you with the refinance of your home. It sounds like Patrick went above and beyond to secure you a lower interest rate and a quick closing. We look forward to working...
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If I was to purchase another house I’d definitely use Waterstone Mortgage again. Todd and his associates were very helpful and easy to work with. Answered my phone calls or returned them right away. Gave advice on things I wasn’t sure of. Helped...
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Reply from Owner
January 30th, 2020 12:00 AM
Thanks for the 5-star review, Chris! We're happy to hear that you had an amazing home loan experience with Todd. We strive to provide a transparent loan process that keeps our customers "in the know." Thank you for entrusting us with your business,...
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Todd is the best! Very attentive and patient. I had a million questions and he answered them all very promptly. He checked in with me often and he was always easily accessible. I really appreciate Todd and i would recommend him to everyone....
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Reply from Owner
January 30th, 2020 12:00 AM
We're glad Todd was able to answer your million questions - after all, that's what we're here for! Thank you for the 5-star review. Enjoy your new home!
We have used Todd for both of our home buying opportunities! He is diligent, knowledgeable and very responsive! Highly recommend if you want someone reliable. Thanks Todd!
Reply from Todd Richards - Lower LLC
January 8th, 2020 02:48 AM
Thank you so much Kat Richardson! Great to work with you again!
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About
At Lower, LLC 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, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re 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.