FINALLY, A HOME LOAN THAT FITS YOUR LIFE
We're a mortgage company that never gives up on a client! It doesn't matter if you are buying your first home or your 100th home you deserve a LEGENDARY experience!
FINALLY, A HOME LOAN THAT FITS YOUR LIFE
We're a mortgage company that never gives up on a client! It doesn't matter if you are buying your first home or your 100th home you deserve a LEGENDARY experience!
TIRED OF HEARING ‘NO’ FROM BIG BANKS?
Traditional lenders only approve perfect files, (yes we are great at those too), but we also have vision to look beyond the traditional requirements with unique solutions. We have a vast expertise in outside the box lending as well. For self-employed, property investors, and those with unique financial situations. Your dream home shouldn't wait.
TIRED OF HEARING "NO" FROM BIG BANKS?
Traditional lenders only approve perfect files, (yes we are great at those too), but we also have vision to look beyond the traditional requirements with unique solutions. We have a vast expertise in outside the box lending as well. For self-employed, property investors, and those with unique financial situations. Your dream home shouldn't wait.
FLEXIBILITY IS OUR FOUNDATION
NON TRADITIONAL LOANS
Self-employed? Income too
complex? Access DSCR, Non-QM,
and Bridge loans others can’t offer.
HIGH LTV
OPTIONS
Maximize your purchasing power with up to 100% Loan to Value
options. Get more equity, pay less upfront.
GUIDANCE
EVERY STEP
From your first quick quote to
closing day, we partner with you.
No hidden fees. No guesswork.
LOWER
YOUR DEBT
Use a Cash Out Refinance to consolidate high interest credit card debt into one lower
, predictable monthly payment.
FLEXIBILITY IS OUR FOUNDATION
NON TRADITIONAL LOANS
Self-employed? Income too
complex? Access DSCR, Non-QM,
and Bridge loans others can’t offer.
HIGH LTV
OPTIONS
Maximize your purchasing power with up to 100% Loan to Value
options. Get more equity, pay less upfront.
GUIDANCE
EVERY STEP
From your first quick quote to
closing day, we partner with you. No hidden fees. No guesswork.
LOWER
YOUR DEBT
Use a Cash Out Refinance to consolidate high interest credit card debt into one lower, predictable monthly payment.
OUR SIMPLE, STRESS FREE PROCESS
THE RIGHT
MORTGAGE FOR YOU!
Whether you’re a first-time buyer, a veteran, or a seasoned investor, we have a specialized product just for you.
DSCR Loan
Property Investor loan
Debt service coverage ratio uses rental income to qualify for financing
Non-QM Loan
Flexible Requirement Loan
Flexible income and credit requirements provide financing options for unique situations.
Bridge Loan
Home Seller Loan
Short-term financing for homebuyers who have a
house to sell.
Cash out
Refinance
Credit Card Payoff Loan
Up to 90% loan-to-value ratio made for paying off high-interest debt.
USDA Loan
Rural Homeowner Loan
Zero down, lower rates and lower credit reqs. Made for rural properties.
Jumbo Loan
High-earner home loan
Special financing for higher value properties with limits set by location.
VA Loan
US Military Loan
Lower down payment and lower interest rates for US Military Veterans.
Conventional Loan
Well-Qualified Loan
Great for well-qualified individuals, with lower rates and less hoops.
FHA Loan
First-time Homeowner Loan
Lower down payment and lower barriers-perfect for the first-time buyer.
THE RIGHT MORTGAGE FOR YOU!
Whether you’re a first-time buyer, a veteran, or a seasoned
investor, we have a specialized product just for you.
DSCR Loan
Property Investor loan
Debt service coverage ratio uses rental income to qualify for financing
Non-QM Loan
Flexible Requirement Loan
Flexible income and credit requirements provide financing options for unique situations.
Bridge Loan
Home Seller Loan
Short-term financing for homebuyers who have a
house to sell.
Cash out
Refinance
Credit Card Payoff Loan
Up to 90% loan-to-value ratio made for paying off high-interest debt.
USDA Loan
Rural Homeowner Loan
Zero down, lower rates and lower credit reqs. Made for rural properties.
Jumbo Loan
High-earner home loan
Special financing for higher value properties with limits set by location.
VA Loan
US Military Loan
Lower down payment and lower interest rates for US Military Veterans.
Conventional Loan
Well-Qualified Loan
Great for well-qualified individuals, with lower rates and less hoops.
FHA Loan
First-time Homeowner Loan
Lower down payment and lower barriers-perfect for the first-time buyer.
Visit Our Legendary Mortgage Swag Shop
Grab high quality gear, from cozy hoodies to office essentials, designed exclusively for our partners and clients. Show the world you’re part of the Legendary family.
Visit Our Legendary Mortgage Swag Shop
Grab high quality gear, from cozy hoodies to office essentials, designed exclusively for our partners and clients. Show the world you’re part of the Legendary family.
WHAT OUR CLIENTS
ARE SAYING!
WHAT OUR CLIENTS ARE SAYING!
MEET YOUR LOCAL EXPERTS
Benjamin Ross
Loan Officer
Emily Reed
Junior Loan Officer
Daniel Dickson
Loan Officer
Lindsay Benton
Loan Officer
Brett McGinley
Loan Officer
Michael Fitzpatrick
Founder/MLO
Sarah Freed
Loan Officer
Jenny King
Loan Officer
Angel Jimenz
Junior Loan Officer
Jenny Barrientos Sandoval
Junior Loan Officer
READY TO SECURE YOUR DREAM HOME?
Start your quick, personalized application now.
© 2024 Lower, LLC dba Legendary Mortgage | NMLS#1124061 | www.nmlsconsumeraccess.com | Lower is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Fairfax Mortgage, Key Mortgage Group, Yes Mortgage and Vybe Mortgage.) provide home loans; Lower Realty, LLC provides real estate services; Homeside Insurance Services, LLC facilitates shopping experience for homeowner’s insurance policies. All rights reserved. Conducts business as “Lower.com, LLC” in Kentucky, Minnesota, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom, LLC” in Montana in lieu of Lower, LLC
Home lending products offered by Lower | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044
