Business ProfileforLower.com

Lower.com rep ***** ****** was my primary point of contact. initial call In early January 2023 we covered my application for a VA home loan refinance. Mr ****** informed me Lower.com offered Free refinances throughout the life of the loan, Even confirming on a call the 17th of January this applied to the loan even if it was transferred to another bank. VA loan paperwork had been sent to me for signature.

Then before closing, on March 19th another loan agreement marked as conventional was sent to my user portal for signature. The interest rate was higher than discussed, and it was no longer a VA loan. I sent an email that day to ***** ****** who told me “it’s a temporary step, the moment we get this signed we will roll it right into a VA Heloc loan with the better interest rate.” The reason for this he provided was that the former loan company didn’t convert the title on the mobile home to a deed and the VA cannot finance a title, it had to be recorded correctly first.

I was assured the moment this conventional loan was signed and recorded we would convert this to a VA loan with the better interest rate. This conversation was followed up by a text message from Mr ****** saying “we have to go conventional on this first one….once we do this one it will then be recorded and we can either do a conventional rate and term rate reduction or VA IRRRL like we talked about” The moment the conventional loan was signed I reached out to Mr ******, and the other two associates i talked with (**** ******* and ******* ********)...none of these employees returned my communications…

I had been baited and switched at the last moment into a higher interest rate mortgage, and left without the promised VA loan ‘Free’ Refinance. They had Mr ****** contact me after i complained.. He told me OCT is when they can fix this, but they have all dodged the 'free' part of the promised services, ignored the facts around how we got into this position, and I am still in the wrong loan..