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John

John Hultberg

Sr. Loan Officer

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NMLS ID# 408288

Contact

Downers Grove, IL

Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm

About John

As a Senior Loan Officer at Lower with over 20 years of experience in both the mortgage and new construction industries, I bring a deep understanding of the home financing process, especially when it comes to new builds and construction lending. I’ve worked closely with builders, real estate partners, and homebuyers throughout my career, which allows me to navigate even the most complex transactions with confidence and clarity. Whether you’re building a new home or purchasing an existing one, I focus on providing financing solutions that are tailored to your specific needs. My goal is to make the process as smooth and transparent as possible. I take pride in clear communication, attention to detail, and delivering a high level of service from start to finish. I’m proud to be part of the Lower team and look forward to helping you achieve your homeownership goals with confidence.

How much house
can I afford?

Fine-tune your payment based on interest, rates, term, and down payment.

Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.

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