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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM(Open now)
Fri
9 AM to 5 PM
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Reviews from Web
I had a great experience working with Sean. He is very knowledgeable and he had an answer for every one of my questions. The process was smooth and easy thanks to this young man. Highly recommend, 5 stars!!
I’ve closed with Sean multiple times. He always comes through when you need to close and is investor friendly.
His communication is professional and presents all options at hand. 5 stars all round
As a first time homebuyer, Sean was exceptional throughout the whole process. He educated me in the areas I needed expertise, and was on top of every step with great communication and care. I highly recommend Sean for anyone who is looking...
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Sean was great to work with. He answered all my questions and helped me understand every step of the process. As a first time homebuyer this was really important. Lower had the lowest rate of the lenders I talked to as well. Working with Sean...
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Sean was awesome to work with. Helped every step of the way and made sure all of my needs were met
Sean was very helpful and insightful during our home buying process. He was able to help us from start to finish and even went above and beyond helping with items that we had extra questions on. Sean made getting approved as smooth as possible...
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Sean has always gone above and beyond for me and my clients. He makes time to discuss all options and explains financing in simple ways that anyone can understand.
Reply from Owner
October 29th, 2026 07:38 PM
Thank you! It is a priority of mine to make sure buyers know all their options!
Sean is the real deal and made my home purchase very easy. I especially appreciate how he has stayed in touch and presented refinance options as the market evolves. Can’t recommend him enough!
Reply from Owner
October 29th, 2026 07:38 PM
Appreicate it! I am glad we had a smooth process to closing!
It was such a delight to work with Sean on our refi. He is methodical, super organized and was well informed about all the loan products that would fit the bill for us. He made the whole process- from star to finish- super easy and was there...
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Reply from Owner
October 29th, 2026 07:39 PM
I'm really pleased to hear that you had such a positive experience with us. At Lower, we strive to make the refinancing process as smooth as possible, and I'm glad I could assist you in finding the right loan products. Thank you for your kind...
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As a new home owner Sean was a fantastic guide throught getting refinanced. He was very informative on the process. Always low pressure interactions. He got my rate dropped by almost 2.5% And he's just a real friendly fellow. Thanks Sean!
Reply from Owner
October 29th, 2026 07:39 PM
I'm glad to hear that you had a positive refinancing experience, Chuck. It's great to know that my guidance and the team at Lower helped you secure a significantly lower rate. If you ever have more questions or need assistance in the future,...
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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.