Sean O'Neil - Lower Mortgage
Executive Loan Officer
Ohio University
As a Loan Originator at Lower for over a decade, I am able to provide beneficial loans to consumers to put them in the best financial position possible. Whether it is purchasing a new home, getting lower payments or saving on interest, I am... Show More
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Business Hours
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Sean is a stellar Loan Officer and I've worked with him on multiple transactions. He even caught an issue from one of the title companies which ended up saving me thousands of dollars. Ive shopped other lenders before but Sean always managed...
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Reply from Sean O'Neil - Lower Mortgage
October 13th, 2026 02:19 PM
I appreicate the kind words. I am glad you trusted me with this transaction and I was able to oversee all the moving pieces correctly. Pumped it all worked out!
Sean did a fantastic job putting my mortgage package together and for the second time. Very professional and thorough in everything that needed to be to be done. Highly recommend Sean’s services.
Reply from Sean O'Neil
October 13th, 2026 02:20 PM
I'm really pleased to hear that you had a positive experience with me, Karl, and I'm grateful for your kind words. It's wonderful to know that my efforts in assembling your mortgage for the second time met your expectations. Thank you for recommending...
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Sean was a pleasure to work with and made a tricky situation seemingly easy and seamless. Highly recommend!
Reply from Owner
October 12th, 2026 06:29 PM
Kevin, Im glad everything worked out as it did. Those Non-warrantable condos can be tricky but I'm glad we had a smooth process to get you into your new space! It was a pleasure working with you.
Sean was fantastic to work with throughout the entire mortgage process. He was knowledgeable, professional, and always took the time to explain everything clearly, making the experience smooth and stress free. His communication was excellent,...
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Reply from Owner
October 12th, 2026 06:32 PM
Great to hear! It was my pleasure helping you finance the place you and your family call home.
Working with Sean and the team at Lower was a great experience from beginning to end. Everything was smooth and simple and any questions I had were answered clearly and quickly. 10/10 recommend for any of your real estate needs!
Reply from Sean O'Neil
October 13th, 2026 02:20 PM
I'm glad to hear that you had such a great experience working with me and the team at Lower, Tyler. Thank you for your kind words and recommendation!
Sean helped me secure an incredible rate at a time everything other company was higher. He took care of everything I need to do and was prompt in his communication. Although the home buying process is not fun, Sean made the process seamless...
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Reply from Owner
October 12th, 2026 06:51 PM
I appreciate the feedback. I am so glad I was able to help you get into a bigger space for you and your growing family!
Sean was incredibly professional and friendly throughout our entire process. I was a FIRST time buyer and had an immense amount of questions that Sean was able to answer to put me at ease. For any of your mortgage questions or concerns I’d...
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Reply from Sean O'Neil
October 13th, 2026 02:21 PM
I'm glad to hear that you felt at ease during your first home-buying experience. It was my pleasure to assist you with your questions, and I'm grateful for your kind words and recommendation. At Lower, we always strive to provide professional...
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Can’t recommend Sean enough for all your mortgage needs.
Reply from Sean O'Neil
October 13th, 2026 02:21 PM
I'm grateful for your kind words, Cory. It's great to know you had such a positive experience with Lower and me for your mortgage needs.
Easy process start to finish. Helped us navigate the mortgage process in a professional and courteous way. Would recommend for your mortgage needs
Sean executes at the highest level when helping his clients secure financing for their home. He helped my fiancé and I through the process of purchasing our first home, his attention to detail when preparing/guiding us through the process was...
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Reply from Owner
October 12th, 2026 06:31 PM
I am so glad we got in touch to help you with your first of many home purchases. You're the man, it was a pleasure!
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About
As a Loan Originator at Lower for over a decade, I am able to provide beneficial loans to consumers to put them in the best financial position possible. Whether it is purchasing a new home, getting lower payments or saving on interest, I am an expert in all fields of the industry. I can Conventional loans, VA loans, FHA loans, HELOCs, DSCR loans, bank statement loans. We have a wide range of portfolio programs available even if there is little equity.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
DSCR Loans
Investor Mortgages
Home Equity Loan
Home Equity Line of Credit
Specialities
Mortgage Lending
First Time Home buyers
Refinance
Investment
Equity Access
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Education
- Ohio UniversityAug 2010 -May 2014
Memberships
- NMLS
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2014
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1287769
Hobbies
- Traveling
- Sports
- Golf
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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.