Smoothest Lending Process Ever! My wife and I recently utilized Nick and his team for a cash out refinance. From the moment we were connected with Nick, he was able to provide us with some great "think outside of the box" solutions that we were able to utilize. Nick is also incredibly responsive to all questions and never left us hanging throughout the entire process. The underwriting process was incredibly smooth as well. Overall, we would absolutely recommend Nick for your all your home lending needs.

Never heard back sounds great until you fill and application out, you speak with someone that says they will contact you back in 30 minutes with numbers but never hear anything. Sent text and called. Legally you have to supply certain docs with an application so I will be reporting you!

Amazing hard work and customer service. Mike Carafella is one of the hardest working people I’ve met. He went above and beyond to make the process quick and easy. We closed in 12 days and the process was incredibly smooth. I can’t say enough good things about him.

Nick did a wonderful job keeping me… Nick did a wonderful job keeping me informed of what was going on and what was needed all along the way. Highly recommend Lower.

Thanks Mike! Mike Cafarella has a wide variety of mortgage programs and competitive rates. He explained our options in a way that made sense and gave us space to weigh our options. He was always available for questions. We highly recommend working with Mike and the Lower Local team for your next purchase or refi! Can't thank you enough, Mike!