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      Lower

      Engaged Employer

      Lower reviews

      If you are looking for a great place to work look no further. - Account Manager Lower Employee Review

      5.0
      Jun 20, 2019
      Account manager
      Recommend
      CEO approval
      Business Outlook

      Pros

      - Open-minded - Forward Thinking - Genuinely cares about their employees and their professional development - Proactive in bettering internal operations day-to-day - Management is down-to-earth and relatable - Performance is recognized and rewarded quickly through promotion - Compensation structure is vastly better than the industry leaders - I have not crossed paths with anybody that dislikes their job (everybody is happy and that means a lot)

      Cons

      - You start at the bottom to develop your skills; some view it as a negative, some know it's actually positive. You cannot become the best overnight. You HAVE to have a work ethic and internal drive to succeed. - 401k match could be better, but it's a smaller company with limited resources and pretty good when taking that into account - PTO policy leaves some to be desired but they give you more than the industry average to make up for it. Take your wins with your losses there.

      avatar
      Lower Response
      7y
      You listed everything we pride ourselves on and continue to strive for. Thanks for the positive review! Unfortunately, the limited space makes it difficult to have both a Ping Pong Table and Pool Table. We agree a gym would be cool.... maybe one day!

      Explore other reviews about Lower

      5.0
      Mar 20, 2026
      Sr. loan officer
      Recommend
      CEO approval
      Business Outlook

      Pros

      -incredible earning potential -supportive management that cares about the LO's -All the tools supplied to succeed -Great work culture, lots of fun events -Communication between team members

      Cons

      - sometimes files take longer than expected to close - unexpected variables in the loan process

      avatar
      Lower Response
      1mo
      Thank you for taking the time to share your feedback! I'm glad you value the great work culture and supportive management. We understand some files take longer than expected to close. Lower is continously working to streamline and approve our processes to help our borrowers.
      1.0
      Apr 6, 2026
      Mortgage loan officer
      Recommend
      CEO approval
      Business Outlook

      Pros

      There are limited pros working at Lower. Based on my experience, I would only recommend working here if you're new to the industry. Get licensed, learn the basics, and leave after a year.

      Cons

      If you have been in the industry for more than a year, you know products, you know guidelines, you know how to sell. That said, find a company with a comp plan that makes sense with a rate sheet that actually benefits the consumer. Ironically, rates at Lower at the Highest in the industry. You'll be asking borrowers to take on a 30-year-fixed -rate mortgage that's 50bps (or more) higher than the industry. On top of the higher pricing, you get paid a fraction of what other loan officers make. Instead of $20K/mo commissions, you'll be making $3K at best. The hourly rate is a recoverable draw so you're making $60K while other loan officers are making $200K+ per year. If that wasn't enough, your loans will sit in process FOREVER. No one knows what's going on. From VP to processor, there is zero communication. Loans will fallout left and right.

      1
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