Lower

We’re growing at Lower Mortgage and actively looking to connect with experienced mortgage loan officers — both currently licensed and formerly licensed professionals ready to get back into the business. If you’re looking for a platform built for producers, we’re offering: • Highly competitive compensation packages • Innovative tech solutions designed to help you close more business • Diverse lead opportunities across multiple channels • A remote-friendly environment built for high performers • A culture focused on growth, speed, and execution This is an opportunity to join a team that’s investing heavily in people, technology, and scale. If you’re entrepreneurial, customer-focused, and motivated to grow your production, I’d love to connect. Feel free to message me directly or comment below if you’d like to learn more. #mortgage #loanofficer #mortgagelending #hiring #remotejobs #sales #fintech #mortgagebroker #recruiting Dan Snyder Adam Wiener Lynn Murphy Ty Bucci

Gino Fronti and I don't golf (often or well at least) but lately we have spent a lot of time on golf courses (for their event spaces) across the country talking about the local housing market with world class mortgage and real estate professionals. Insights and progress don't happen in board rooms..they happen in the field with real operators who spend all their time trying to solve consumer housing needs. All of the national industry head lines are talking about mergers, lawsuits, and macro trends..that is just noise compared to the real things happening on the ground in residential real estate. In each market the issues and opportunities differ greatly which is one of the core reasons I love these events. This is what I call winning the ground game. Gino, John, and Lower coming to a market near you soon! Lower Movoto Jennie Hoffer Yvette Evans Corbin Thornbrough Dan Snyder

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗔𝗽𝗿𝗶𝗹 𝟮𝟬, 𝟮𝟬𝟮𝟲 𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗳𝗲𝗹𝗹 👍 Rates continued to move lower for the third straight week, making the biggest gains on Friday after Iran announced it would fully reopen the Strait of Hormuz to commercial traffic. Although still higher than before the conflict began, rates are well below the highest levels seen just a few weeks ago. 𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲 𝗹𝗼𝘄𝗲𝗿 👍 Rates this week will continue reacting to headlines about the ceasefire and reopening of the Strait of Hormuz, and are in a good position to creep lower if progress toward a final resolution continues. Don’t expect rates to only move lower, though, as we could still see some day-to-day increases while negotiations continue, like early in the week when Iran announced it would no longer allow ships through the strait, pressuring rates. 📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸: • The Middle East: Even when a resolution doesn’t seem close, markets remain optimistic the conflict with Iran will be resolved soon, helping both stocks and bonds and supporting mortgage rates. As long as the ceasefire holds, we could continue to see rates improve. • Economic data: There is very little economic data this week, and it will not play much of a role in mortgage rates. #mortgages #mortgagerates #realestate #mortgageinterest #homebuyingtips #realestateadvice #refinance

Thriving as a Loan Officer in either a purchase or refinance environment is a tall task. Catherine Pascual has found a way to be successful in both. Cat’s first month as an LO was May of 2024, and her curiosity has carried her to new heights ever since: “I’ve never strayed away from opportunity. I ask every single question. I explore every single opportunity.” That mindset has translated into real results, earning her a promotion to Senior Loan Officer this year. VP Christopher Kirkpatrick has seen that growth firsthand: “One of the most dedicated and hard working LO’s I’ve ever had the pleasure of working with. She is dedicated to her clients, always advocating in their best interests and ensuring the best experience. A true shining star at Lower.” Cat’s versatility continues to drive her success. Whether she’s congratulating a client on their first home or helping a homeowner who feels stuck find a way forward, she shows what it means to be a complete Loan Officer. Lower Chelsea Wagner Jason Morrison Ty Bucci Dan Snyder Adam Wiener Josh Morris Sam Berman Jacob Driscoll Lynn Murphy

"I'm going to wait for rates to drop." I hear this every week. And I get it. Rates are higher than they were. But here's what nobody is telling you while you wait. The market isn't waiting with you. Every month you sit on the sidelines, home prices in this market keep climbing. The house that's $350,000 today might be $375,000 by the time rates drop enough for you to feel comfortable. And when rates DO drop — every buyer who was waiting jumps back in at the same time. Now you're competing again, paying more, and rates aren't even that much lower. You waited. The market didn't. Here's what the smart move actually looks like: The average mortgage only lasts 2-3 years before the homeowner refinances. Buy the home now while you qualify and the asset is available. Let the principal start paying down. Let the home appreciate in value. Let your income and comfort grow. Then refinance when rates drop — into a lower rate, on an asset that's worth more than when you bought it. You paused the market from pushing you out of range the day you closed. That's the move. Waiting for the perfect rate is how buyers get priced out permanently. Getting in is how they build wealth. If you're on the fence about buying because of rates — DM me or drop a comment. Let's run your actual numbers and see what waiting is really costing you.

If you want a clear example of hard work turning into real results, look no further than Connor Farley . Connor joined Lower in July 2023 and quickly found what it takes to separate himself. When asked what took him from good to great: “Confidence and consistently putting in the work.” He also pointed to the environment around him as a major factor: “The team. Being surrounded by successful people who bring a wealth of knowledge into the office every single day.” On January 1st, Connor was promoted to Senior Loan Officer and Sales Manager, earned through consistent execution, day in and day out. I asked teammate Ray Prochko what sets him apart. With zero hesitation he said: “His grit. His ambition. His will to do anything to win.” No shortcuts. Just habits, standards, and the right people around him. Connor Farley is finding his rhythm, and the results are following. 🚀 Jason Morrison Ty Bucci Lynn Murphy Adam Wiener Dan Snyder Josh Morris Christopher Kirkpatrick Sam Berman Lower