Lower initial payments
Flexible loan terms
Potential for future savings if rates go down
Increased purchasing power
Ability to sell or refinance before rates adjust
We cannot thank Nadia and her entire team enough for everything they did for us throughout our home-buying journey. From the very first day until well after closing, Nadia was always there for us—answering every question, guiding us through every step, and making sure we never felt alone in the process. Buying a home can be stressful, especially when unexpected challenges come up. There were moments when we truly thought our dream of buying a home might not happen. But thanks… to Nadia's optimism, professionalism, patience, and the incredible support of her entire team, we never lost hope. They kept encouraging us, finding solutions, and helping us move forward. What touched us the most was how genuinely they cared. We never felt like just another transaction or another file on someone's desk. They treated us with kindness, compassion, and respect, making us feel more like family than clients. They truly listened to our concerns, supported us every step of the way, and celebrated this milestone with us. My husband and I are beyond grateful and incredibly happy in our new home. We wholeheartedly recommend Nadia to anyone looking for a knowledgeable, dedicated, and caring loan officer. If you want someone who will truly stand by your side from beginning to end, Nadia is the person to trust.
Elena T.
Verified Customer
July 21, 2026
We very much enjoyed working with Greg Jones and Lower Mortgage where we received the highest level of service in securing the finance needed to purchase our vacation property in South Padre Texas The process was quick and professional. Your attention to detail and support were greatly appreciated. We definitely recommend Greg if ever in the market to purchase property
Thomas W.
Verified Customer
August 3, 2026
Edgard was patient, nice and communicative and answered questions that we had about the process of buying a home and informed us on every step to the end. He really helped us get throug. He is a true professional . Thank you again
Emmanuel B.
Verified Customer
August 23, 2026
I had the pleasure of working with TJ recently on two transactions. TJ has ALWAYS been a great lender, well respected in our community, communicates to all parties involved in a timely manner and helps each client understand all their options. She is patient and very knowledgeable. I would recommend TJ for any client looking to purchase a new home or to refinance a mortgage loan.
Christina K.
Verified Customer
July 29, 2026
Buying our first home felt intimidating, and we fully expected the mortgage process to be stressful and overwhelming. Thanks to Brian, Katelin, and the entire Universal Lending team, it was anything but!From start to finish, every member of the team was knowledgeable, responsive, and incredibly kind. They took the time to answer our questions, kept us informed throughout the entire process, and made sure we always knew what to expect. They handled everything with professionalism and made us feel completely… supported.As first-time homebuyers, we couldn't have asked for a better lending team. Brian, Katelin, Brie, Deanna, and Shari turned what we thought would be a scary experience into one that felt smooth, organized, and simple. We are so grateful for everything they did to help us get into our first home. We would recommend this team without hesitation to anyone looking for a lender that truly cares about their clients.
Julia G.
Verified Customer
August 6, 2026
knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping me get knowledgeable on what insurance and what policies and procedures to take and suggestions it was a great experience. I highly recommend them to anybody searching for a house. They make a smooth transitional process and they're there… every step of the way to help outon what are the right steps to take and they're involved with every situation that I have to communicate with other professionals they have my back and they support me with the whole entire process. It was a beautiful experience very happy and blessed with being a first homebuyer thank you so much.
Devin R.
Verified Customer
July 9, 2026
Great person! Great Individual! It was a pleasure having Chris Velasquez on my side helping me to process and obtain a loan for the purchase of my property! I have no reservations in recommending Mr. Velasquez for your loan needs!
John P.
Verified Customer
August 6, 2026
We had a great experience purchasing our new home with Lower Mortgage. Not only did they help us get the best loan rate, we felt like the process was so easy. We worked with Rick Fantucci, and would recommend anyone we know reach out to him to purchase their next property.
Amanda D.
Verified Customer
July 28, 2026
Luis made every step easy for me and my wife to purchase our dream home. Highly recommend.
Isaul V.
Verified Customer
August 11, 2026
Judy was phenomena! She went above and beyond in helping us purchase our forever home. Thank you!!
Jacquelin M.
Verified Customer
August 24, 2026
Marc stepped in and saved my client's condo purchase in the 11th hour when the original lender could no longer close the deal with the original mortgage rate along with other complications . Thanks Marc Creach
Mary F.
Verified Customer
August 16, 2026
I have close family that does the same thing Eva does and we chose Eva to help us again with the Purchase of our new home. We used Eva in 2021 as well and it was seamless. Eva helped us the entire way ! Late nights and early morning ready to assist us . wonderful, wonderful. Highly recommend!!
Trey B.
Verified Customer
August 18, 2026
