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.
Ashel and her team are the best!!!!!! You will not find a better team to purchase a home threw!!!!!! we love u Ashley thank you and you team for everything!!!
Sarah U.
Verified Customer
September 30, 2026
The excellent almost 24/7 communication and hard work from Claudia is the only reason we were able to close ! She worked well with my very specific circumstances and was DEDICATED to my case. Extremely happy with resul…ts.
Bryce J.
Verified Customer
August 30, 2026
Working with them was the easiest part of buying our home. They explained every option clearly, responded fast, and got us a great rate with zero stress. Truly a wonderful mortgage broker — highly recommend!
Steven H.
Verified Customer
October 2, 2026
Tyler was great to work with. Very responsive .
Alexis S.
Verified Customer
September 7, 2026
I had an absolutely wonderful experience working with Becky! From start to finish, her professionalism, communication, and attention to detail truly stood out. Becky was always responsive, knowledgeable, and kept me informed every step of the w…ay. She made the entire process feel smooth and stress-free. What impressed me most was how easy Becky was to communicate with. She was quick to respond to questions, followed through on everything she promised, and always made me feel like I was a priority. I would highly recommend Becky to anyone looking for someone who is professional, dependable, communicative, and genuinely cares about providing an exceptional experience. Thank you, Becky, for making the entire process such a positive one!
Kimberlie H.
Verified Customer
August 18, 2026
Ruth Dudley is by far the best loan officer. She made every step of the process easy to understand and I knew without a doubt she had my best interest in mind with every decision made. Ruth's team is phenomenal as well-from the first contact an…d every email and call along the way -100% professional and informative. I cannot say enough positive things about this closing experience!!
Joni W.
Verified Customer
August 25, 2026
He was very quick on responding and getting everything done fast. This is the second time I worked with Patrick and I always had a amazing experience.
Tiffany M.
Verified Customer
September 16, 2026
Vickie is such a Pro! She came highly recommended from a very successful Realtor in Northern MN and boy, are we ever grateful! Vickie knows the business inside and out and she successfully guided us through … the entire process. She's also got a great personality and is such a fun and delightful person! We will definitely be working with Vickie again on our next purchase!
Lynn T.
Verified Customer
August 30, 2026
From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we …were appreciated and very well taken care of with the financial aspect! Cheers to Mike!
Ronald B.
Verified Customer
August 7, 2026
Very helpful and informative there for you not themselves highly recommend to anyone trying to purchase a home
Isaac S.
Verified Customer
September 11, 2026
Rayma treated us like true friends, yet we never met her. So to me that says everything about her as a person and her as a lender. She treat you just like her family or friend.
Travis F.
Verified Customer
September 19, 2026
We had an outstanding experience with Lower Mortgage, and I can’t say enough good things about Eva and Tanner. From the beginning, they were professional, responsive, knowledgeable, and incredibly easy to work with. Buying a home and working th…rough the mortgage process can be stressful, especially when there are a lot of moving pieces, but Eva and Tanner made the entire process feel organized and manageable. They were always available when we had questions, explained our options clearly, and kept us informed every step of the way. What impressed us most was that we never felt like just another loan in the pipeline. Eva and Tanner genuinely seemed invested in making sure everything went smoothly and that we were comfortable with the decisions we were making. Communication was excellent, deadlines were handled without drama, and there were no unpleasant surprises at the finish line. Lower Mortgage was extremely competitive, but the service from Eva and Tanner is what really made the experience stand out. They delivered exactly what they said they would and helped make what could have been a stressful process remarkably smooth. We would absolutely use Lower Mortgage again and would recommend Eva and Tanner without hesitation. Five stars and a huge thank you to both of them!
John J.
Verified Customer
September 26, 2026
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