"Elizabeth made the process so doable and kept us in the loop. She was very clear about what to expect and what was needed. She was prompt with responses and very supportive. It was a joy to work with her." Joe O, FL
I’ve been helping people make smart mortgage decisions since 2004, with a focus on mortgage planning for what comes after the first home. I especially enjoy the conversations with a few more moving parts: using equity, buying before selling, keeping a current home as a rental, helping family buy, or simply figuring out which path makes the most sense. The goal is to make the numbers clear, understand the tradeoffs, and choose a financing strategy that supports both the next home and the bigger financial picture. I’m a 6th-generation Coloradan, a producing mortgage leader, and someone who believes good advice should leave you feeling more informed, more confident, and more in control of the decision in front of you.
2024 Lower, LLC dba Universal Lending Home Loans | Lower, LLC is a subsidiary of Lower Holding Company. NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | Equal Housing Opportunity. Home lending products offered by Lower, LLC. Licensed in 47 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC. Lower, LLC is a family of companies. Lower® and its DBAs (AMSW Lending, Community Lending, Alderus Mortgage, AMSW Lending, Banner Mortgage, Cabrales Mortgage, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Homeside, Home Team Lending, Key Mortgage Group, Lengendary Mortgage, Lower, Lower Local (ID Only), Lower.com, Lower.com, LLC, McCaughan Home Lending, Oxford Home Lending, PowerProt Mortgage, PowerTPO, Sky Mortgage Group, Team Hochberg (ID Only), Thrive Mortgage, True Lending, Universal Lending Home Loans, Vybe Morgtage and Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies. All loans are subject to underwriting or investor approval. Not an offer of credit or a commitment to lend. All rights Reserved.
