Tom Pregano
Sr. Loan Officer | NMLS# 2445475
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
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Reviews from Web
Tom made the process for my son and daughter in law to get into their first home so easy and quick! We had a unique situation and he was able to help us figure it out. Highly recommend him and Lower mortgage!
Reply from Owner
September 27th, 2026 12:00 AM
Thank you so much for your kind words. It was my absolute pleasure to help all of you. Congratulations
Tom at Lower mortgage was an absolute pleasure to work with! Being a first time home buyer, he kept me updated every step of the way and always answered my questions any time of the day! I have already recommended him to a few people! 100/10...
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Reply from Owner
September 8th, 2026 12:00 AM
Thank you so much for the kind words and the referrals already I really appreciate all the love
Tom was always available and easy to contact when I needed him. Also, as a first time homebuyer, the process felt overwhelming at first. However, Tom made it as easy to understand and transparent as possible. I never felt lost in the woods...
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Reply from Tom Pregano
June 19th, 2026 10:02 PM
Thank you Mike for the kind words it was my pleasure to help you navigate the process. Enjoy your new home and make many new memories there!!!
Tom was excellent from start to finish. Always immediate with responses. He also helped to make the closing process as quick and painless as possible. It felt like he was personally invested in helping me through the home buying process. Absolutely...
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Reply from Owner
October 5th, 2026 12:00 AM
Thank you so much Mike it was my absolute pleasure to serve you
Tom was there to answer any questions I had, kept me up-to-date on what my rates would be, and worked endlessly with me to ensure I secured a loan at the best possible rate for my new home!
Reply from Tom Pregano
June 16th, 2026 03:54 PM
Thank you so much for the kind words, I’m so glad we could help you find your perfect home.
As the headline says, Tom was great! As a first time homebuyer, I greatly appreciated his guidance. He was very timely with communication, always available to answer my questions. Highly recommend!
Reply from Owner
May 21st, 2026 12:00 AM
Thank you so much Ashley for your kind words. That means the world to me and I was more than happy to help. Enjoy your new home!!!
I had a great experience working with Tom Pregano at Lower Mortgage. Throughout my transaction his communication was always clear and timely, which made the process feel smooth and much less stressful for everyone involved. He was professional,...
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Reply from Owner
May 21st, 2026 12:00 AM
Thank you so much Kelly you are so kind. You did a great job yourself and I would love 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
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2445475
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.