Tessa Johns

"Tessa was a pleasure to work with. My refinance had several unique obstacles that had to be overcome for it to be successful, and Tessa was able to help navigate through them all. The entire process at Lower.com was quick and efficient and the level of communication was always high. I would 100% use them again."

"This was the quickest and easiest refinance I’ve ever done. Tessa was super efficient and helped make the process go smoothly. I highly recommend Lower to anyone looking to refinance."

"During a recent refinance, my wife and I had the pleasure of working with Tessa at Lower. She was simply amazing. She was very responsive, knowledgeable, and reassuring throughout the entire process. She made us feel as we were "prized and valued" customers. - Darryl"

"When everything is handled online and/or completely around your schedule and the Loan Officer/Agent is texting you back and forth at 10pm on the Thanksgiving holiday weekend to ensure you have every "i" dotted and "t" crossed, and you come out with a better rate, shorter term, and enough cash to renovate and pay off all credit card and signature loan debt, you know you've had a great experience. I wouldn't have even applied for a refinance had I not spoken with Tessa. I didn't think my credit was good enough. Not only was it good enough, but it was a life-altering experience! The days of being mired in debt and living from paycheck to paycheck are over! Tessa and Lower empowered us to overcome the years of hardship and be able to live in a whole new level of style and comfort. Tessa actually saved us! Way above and beyond doesn't adequately describe what she did to help us throughout the process. There were lots of moving parts in the process, and not all of them were completely controlled by Lower. We missed closing twice because of not getting a disaster inspection report back in time and then because of an oversight on the part of the Notary Public that they sent to our home at 7pm to accommodate our schedule of working late hours. If was no huge deal because we still never had to make another mortgage payment to our previous lender. We got a 2-month break from mortgage payments out of the deal to help bridge us until our cash out was wired to our account (took 3 days- we closed on a Tuesday and the money was there Friday) and for our escrow to come in from the previous lender. That took 2 weeks and included the Christmas Holidays. We had enough to pay a couple of unexpected issues with one of our vehicles and our water well. Even after that, we were able to give the kids a super nice Christmas to send 2 of them off to college and 2 more into their adult lives in the workforce with a decent start. I can't say enough about what a great decision it was. I was totally skeptical that things could work out this well and be handled entirely online. There wasn't even a physical onsite inspection. The house was valued by computer based on facts about my area and public records on the house and property itself. We didn't have to worry about cleaning up or rearranging, etc. Totally simple process. You just have to keep a great attitude and do not procrastinate getting things signed on your end. There were exactly 40 (FOUR- ZERO) forms that had to be signed either electronically or in front of the Notary Public sent to our home. It does take a certain level of education and/or experience to make it seamless and know what you're looking at and why the numbers are what they are. But that's what Tessa was for, as she covered everything by phone and text prior to and during the process. Literally every step of the way she was amazing. We will rename our Alexa to "Tessa!""

"I've bought and refinanced several homes and working with the Lower team has been my best experience to date. Tessa Johns was so easy to work with and always responsive to my questions along the way. If I refinance again in the future I'll definitely be using Lower again."

"Refinancing our home was truly a breeze. Tessa Johns was our loan officer and there Is not enough space to share just how incredible she was. She made the entire process so simple, quick and effortless on our part with no frustrations. She was a true professional, exceptionally knowledgeable with a lovely, kind, approachable personality who was always available no matter the time of day. Tessa made this process 100% stress free!"

"Tessa not only gave a better rate but help consolidate debt and stayed under the mortgage insurance percentage that I was considering about. Tessa is upfront and honest if she says it can't be done then it's most likely true...But she can (in my case) work miracles!! Thank alot...already referred people!"

"Short and sweet. My refinance went great. I had a whole bunch of stuff with an SBA loan tied to my house. Tessa and all the team kept working for months until we got it done. I am super happy with the outcome. Thank you Lower.com"

"Lower was one of the first companies that reached out to me when I started researching a potential refinance. Their rates proved to be competitive after talking to traditional banks (including the bank I was financed with previously) and other online loan providers. I worked with Tessa Johns and I have to say it was a wonderful experience. She was always open to take questions and was on top of calling back if I reached her voicemail. The only hiccup was caused by excessive back and forth between the loan processors which added unnecessary time to closing (I was asked to provide updated insurance info a few days before closing when they had copies of the documents for months), but after closing Tessa reached out and asked if there were any parts of the process I felt could be improved upon. To me this indicates that Lower is looking to constantly make the customer experience better. I would definitely be open to working with Lower in the future."

"Tessa was so helpful and knowledgable throughout our entire loan process. As first time home buys we weren't sure what to expect but Tessa was always quick to answer any questions we had and made the process go so smoothly!"