Bobby Matthews
Producing Branch Manager
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NMLS ID# 1130741
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Bobby
I’ve been proudly serving clients in the mortgage industry since 2013, and I genuinely love helping people achieve their homeownership and financial goals. Over the years, I’ve worked with a wide range of clients—from those who need guidance and assistance every step of the way to those with substantial resources and complex financial profiles. No matter the situation, my focus is always the same: finding the right solution for each client. Our team offers a full suite of loan programs designed to serve every type of borrower. Whether you’re purchasing your first home, upgrading, refinancing, or investing, we tailor the mortgage strategy to fit your goals—not the other way around.We take pride in running a smooth, transparent process and, most importantly, closing on time. There’s nothing more rewarding than seeing families reach their goals, secure their homes, and take meaningful steps toward their dreams. I’m fortunate to work alongside an incredible team, including my loan assistant, Julieanne Dean, as well as others who have supported our clients throughout this process. Their dedication, attention to detail, and commitment to service play a major role in the experience we deliver. I’d love the opportunity to work with you next.
I am licensed in: TN, AL, KY, GA, FL, TX, NC
Bobby was always available for any questions I had and was more than willing to run different scenarios to come up with the best solution for me. He introduced me to new options to help make my mortgage lower and made sure I fully understood all options. Bobby, walked me through the process step by step and was there when it was time to sign the papers. A++
Turron D.
Verified Customer
August 24, 2026
communication
Ashley L.
Verified Customer
August 21, 2026
Great job
Keenan R.
Verified Customer
August 5, 2026
Excellent communication throughout the entire process.
Kayla C.
Verified Customer
August 4, 2026
His communication and skills
Michael S.
Verified Customer
July 25, 2026
Bobby's willingness to assist, desire to keep me informed, and knowledge were all unmatched. He was thorough and willing to spend all the time needed to make sure I understood all aspects of the process. I felt very confident throughout the process and comfortable with each decision made thanks to Bobby. Highly recommend and will continue to use his servicesin services in the future.
Kevin J.
Verified Customer
July 17, 2026
Bobby was very attentive and responsive, among my many questions. He took the time to explain various scenarios to help us come up with our best solution.
Dwanna S.
Verified Customer
July 16, 2026
Lower Mortgage was very professional. They made everything easy for me to understand each of the steps. The one thing I Love about my experience was the communication process. Someone was ALWAYS there to answer the phone when I called. Everything was always broken down to where a person with little knowledge could understand.
Jessie G.
Verified Customer
July 4, 2026
Working with Bobby was an outstanding experience from start to finish. He is incredibly knowledgeable, efficient, and transparent, and he made what could have been a stressful process feel manageable every step of the way.No matter how many questions I had, Bobby was always patient, responsive, and took the time to explain everything until I fully understood my options. I never felt rushed or left in the dark. His communication was excellent throughout the entire process, and I always knew what to expect next.What impressed me most was his genuine commitment to helping me reach the closing table. He consistently went above and beyond, worked diligently behind the scenes, and made me feel like my home purchase truly mattered to him. This is the first of many, and when the time comes to purchase my next home, Bobby will be my first call!
Toni E.
Verified Customer
July 1, 2026
Bobby was great however I don't think the people he worked with communicated with him abx that was a problem with them not Bobby.
Sheryl L.
Verified Customer
June 30, 2026
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)
Est. Affordable Purchase Price
$1,814.04Rates 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.