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

  • Why Choose Us

  • Joe Lovrek has more than 17 years of experience in the mortgage industry which has allowed him to help many people achieve their goal of home ownership. Whether you are a first-time Spring, Tx home buyer or refinancing an existing loan, Joe has a solid understanding and extensive knowledge on current mortgage and Texas mortgage lending guidelines.

    There are many qualities and skills that go into being an excellent mortgage professional - integrity, in-depth community and market knowledge, marketing savvy, effective negotiation skills and a high-quality professional network, all of which are hallmarks of how Joe works. He closes an estimate of 90-114 loans yearly doing Spring, Tx refinances and purchases in The Woodlands and Spring area mainly. He has done loans all over Texas and other states. With Joe, you can expect an authentic experience defined by honesty, integrity and fun. Whether you're refinancing a mortgage, buying property for the first time, or doing a reverse mortgage, you deserve a smooth, respectful and personable transaction. At its core, Joe's professional service is founded on the bedrock aim of your long-term financial security and wealth accrual.

    Lovrek welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Lovrek has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.