Buy a Home
Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.
Tap Into Equity
Choose between a fixed-rate, lump-sum home equity loan for large sums, or a revolving HELOC for flexible access to funds.
Lower My Rate
Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.
Mrs.jill was an amazing person who helped me from the very beginning and explained everything to me as things were moving along one that stood out to me was the guidance and reassurance she gave me when I would ask questions to me that meant a lot to me
Lorenzo G.
Verified Customer
July 24, 2026
TJ was fantastic and kept us in the loop throughout the process. She was patient and answered all of the questions that we had. We used TJ for our first home, we used her for our new home, and we would use her again and again!
Lauren K.
Verified Customer
July 12, 2026
Chris Velasquez and the entire Lower Mortgage team exceeded my expectations throughout the home-buying process. As a self-employed owner-operator, I knew my mortgage application would require extra documentation and attention, but Chris made everything as smooth and stress-free as possible. From the very beginning, Chris was responsive, knowledgeable, and always willing to answer my questions. He kept me informed every step of the way, explained the underwriting process clearly, and helped me navigate all of the requirements with confidence. His communication was outstanding, and I always felt like he genuinely cared about helping me achieve my goal of homeownership. Purchasing my new home in Palm Coast was a major milestone for my family, and Chris played a huge role in making it happen. He stayed on top of every detail, worked hard to keep the process moving, and helped ensure a successful closing. I highly recommend Chris Velasquez and the team at Lower Mortgage to anyone looking for a mortgage lender they can trust. If you’re looking for professionalism, excellent communication, and someone who truly puts their clients first, Chris is the person to call. Thank you for helping make my dream of owning a home in Florida a reality!
Qaid S.
Verified Customer
June 14, 2026
Tawna's depth of experience with VA lending was extremely helpful
Jerry F.
Verified Customer
July 7, 2026
Fantastic service :-)
Melissa L.
Verified Customer
June 30, 2026
Fred was there every step of the way. Great communication. Keep up the good work.
Joseph S.
Verified Customer
July 17, 2026
Tawna called me or texted me every day. She is dynamic and amazing. I loved working with her and her team.
Dena R.
Verified Customer
August 5, 2026
Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.
Bradley C.
Verified Customer
May 26, 2026
Kari is so wonderful to work with, she brought peace of mind to a very stressful process and guided us through the entire process with confidence and reassurance which was much appreciated. I wouldn't have worked with anyone else!!! Beth Palmer
Christopher P.
Verified Customer
July 5, 2026
Michael is a true professional! He guided us through the whole refinance process and made it seamless. I would highly recommend him to any one out there looking for a five star loan service provider! Thank you, Michael!!
Jose M.
Verified Customer
May 28, 2026
Josh, Gino, Anita and the entire team were just absolute pros throughout the entire process with my very challenging scenario! wWill definitely be referring my friends and family.
Shahrouz H.
Verified Customer
July 30, 2026
Mike was clear with his communication and suggestions. He made the process easy, even when there were some changes required at the end, the team made the adjustments quicklhy after communicating everything clearl, allowing us to still close on time.
Nicholas C.
Verified Customer
August 3, 2026
