Lower Branch at North Main Street
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
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About North Main Street
We build legacies. Serving our community and helping our friends and neighbors thrive is our number one objective. It is why we are passionate about creating a legendary lending experience for you and your family. Whether you want to build your dream home, purchase an existing property, or discuss refinancing strategies, we have the expertise to set you up for future financial success. We proudly serve the entire state and can connect you with local Real Estate professionals in any market. Our dedicated team of Residential Mortgage Loan Originators have a professional commitment to be your long-term partner in managing your financial goals. We will show you how implementing the right mortgage strategy today will help you achieve your long-term goals tomorrow. Your legacy matters!
Meet the Team
What North Main Street Customers Are Saying
Tim explained everything, walked us through every step, and was detailed . The communication through the whole process was amazing !
Amenjelia C.
Scottsville, KY
Verified Customer
November 3, 2026
Loan officer: Tim Summers · Franklin, KY
Tim and his staff are on topand very knowledgeable. Every step they told me to take, in every professional contact they put me in touch with was top notch.
Tim led us through every step of our home buying process. We had steps that we need to take to fix things and he drew out a map for success that was so easy to follow. I would highly recommend Tim and Lower Mortgage to anyone looking to buy a hom.
How fast he got it done
Everything seemed to move great was super understanding and was not hard to understand
Timothy V.
Franklin, KY
Verified Customer
September 30, 2026
Loan officer: Tim Summers · Franklin, KY
We had a great experience with Tim.
Brianna G.
Franklin, KY
Verified Customer
September 28, 2026
Loan officer: Tim Summers · Franklin, KY
Responsiveness and getting things completed efficiently.
Ashley E.
Franklin, KY
Verified Customer
September 24, 2026
Loan officer: Tim Summers · Franklin, KY
Tim was very responsive anytime we had a question and we knew where we were in the process every step of the way.
Tim provided great advice and was very communicative, friendly, and caring. He ensured that my wife and I understood every step of the process and was happy to answer any questions we had.
Blake B.
Central City, KY
Verified Customer
August 30, 2026
Loan officer: Tim Summers · Franklin, KY
Clear communication throughout the whole process.
Jonah V.
Bowling Green, KY
Verified Customer
August 19, 2026
Loan officer: Tim Summers · Franklin, KY