• Tel: (281) 300-5260
    Email: joe@lowerfinances.com

  • We will find the right mortgage for you

    Being in the mortgage industry for over 15 years, We have many years of knowledge in finding the right mortgage program that fits our clients needs.

    Competitive rates on all loan programs

    With competitive rates and a fast closing process, why go anywhere else.

    Support throughout the entire mortgage process

    We will support you through the loan process by letting you know step by step whats needed to close, so you are not left wondering and in the dark. Not only will we support you, but wok on closing your loan in a timely manner which is less likely to happen when using larger banks etc.

  • Make an appointment with me today or for a future date.  You can note if you just want me to call you, or if you want to meet me at my office, I am here for you.

    Make an appointment

  • I have over 15 years of experience to help you with your new loan selections and can make your new home purchase or refinance easy as possible on the lending side. I can even answer questions you may have with items that do not pertain directly with just the loan itself, advice etc.  I will be by your side starting today and in the future should you need my help.

    Learn more

  • Buying your first home is a life-changing decision and significant investment. You may have questions about the overall process or the best place to start. You may wonder how long it will take or what paperwork you’ll need to provide. We’re here to make the experience more manageable and help you become an informed borrower.

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  • Getting Pre-Approved is easy. Simply click Pre-Approval and it will take you to a secure page which is your first step in getting your new loan.

    Pre-approval applicaton

  • We will find the right mortgage for you

    When looking for a mortgage lender, there are thousands of options – from your local banks and credit unions to national online mortgage lenders that handle your loan processing by phone and email. You also have the option of working with an independent mortgage broker who may connect you with a lender you’ve never heard of. (That’s not necessarily a bad thing – it may just be that mortgage lender only works through brokers, not the general public).

    Additionally, there are online mortgage lender comparison tools that will pre-qualify you and then match you with lenders with the best rates for the mortgage you need. The problem with best rates is there is a reason for this, there either are less people pushing files, or the loan process takes 2-3 months. Working with agents that close within 1-3 weeks is hard to find and they only charge .125% rate difference which is worth the cost, after all, its worth less headache for an average $7 monthly difference.

  • Mortgage Calculator
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    Free Mortgage Calculators

  • Area
  • The Woodlands are presenting a new way of living. We are here to help you with the right mortgage, choosing a realtor or builder and making sure you get the best service.  We are exited and happy to welcome you to The Woodlands community. Woodlands community it’s not just offering you the best service in the area but yet it is a very reliable and efficient in all the things that is offering. 

  • If you are having some needs in the field of Home Purchase and Home Refinances, then this is the article that you need to read. Go through the information’s and we hope you find out something valuable for you. Loan officer Joe Lovrek's team is here for all your local housing needs, located less than a mile from the new Exxon Mobil Campus here in The Woodlands, TX.  We offer a variety of home loan purchase options and can provide assistance in helping your move in an extremely easy way. Joe Lovrek’s team is a dream team and will help you to deal with your Home Purchases and Home Refinances. Check what they offer and we guarantee that you won’t be sorry.

  • Texas Home Purchase Loans

    Considering home loans in Woodlands TX or Spring TX. Our goal as a mortgage lender is to put you in the best loan possible to help purchase your new home.  As an accredited mortgage lender, we find you the best loan, approve, close and fund your home purchase.  We work with buyers of all credit types from average to perfect.  If you have perfect credit, choose from a wide selection of Jumbo and conventional loans to finance vacation and investment properties.  For average credit, there's FHA, VA or USDA options.

  • Texas Home Equity Loans

    Whether you need to pay off your debt, or pull cash out, perhaps even time for some home improvement, we will find the best option for your requirements.  First lien Texas home equity lines on your primary, secondary or investment properties are available right now. Lower Finances has the right options for you!

  • Texas Home Refinance Loans

    Whether you need to pay off your debt, or pull cash out, perhaps even time for some home improvement, we will find the best option for your requirements.  First lien Texas home equity lines on your primary, secondary or investment properties are available right now. Lower Finances has the right options for you!