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+1 (805) 402-6357LowerMortgage.net has evolved. Welcome to the new home for our existing mortgage and real estate clientele. Learn more
What clients say about working with us.
“We've done business with Mark from Lower Mortgage for the last 15 to 20 years. With Mark, you get experience, resources, and full follow up until his clients are fully funded and closed. We will always recommend Mark and his services.”
Thousand Oaks, CA
“We closed on our first home this week and it would not have happened without Mark. Not only was he a wonderful human and very easy to talk to and work with, he beat the pants off the other brokers we spoke with. In a market where rates were not great in g…”
First-Time Buyer
“Mark is an incredible professional and is super cool. He helps with anything. I had the opportunity to work with him on one of my refinances. He answered questions and helped solve issues throughout the whole process. We closed on time and actually could…”
Refinance
“Mark is one of the best loan officers ever. He knows home loans from beginning to end and can help identify the right product. He communicates clearly, makes sure the process is correct, and works to get the best deal for you.”
Thousand Oaks, CA
“There is no better lender than Mark. He is professional, easy to work with, and fights to ensure the rate is the best available. He answers his phone whenever needed and helps throughout the loan process.”
Thousand Oaks, CA
“Mark is very kind and professional. He is very knowledgeable regarding every cause and getting the transaction done quickly. I have referred him to my friends and family many times and he did a great job.”
Thousand Oaks, CA
“Mark made it super easy to work with. We got a loan and locked in at a lower mortgage rate. He kept us up to date at every step and worked quickly throughout the process.”
Refinance
“Mark Gurich and the team at Lowermortgage.net are the best in the industry. I would recommend Mark to any of my friends or family. He is a Pro Elite status broker with UWM and continuously closing loans quickly. Mark will go to bat for each and every one…”
Thousand Oaks, CA
“Mark makes it a pleasure for us. In a new home loan or refinance, not only can he find you the lowest rate for your loan, but he will also walk you through the entire process, eliminating any surprises or misconceptions. Mark can quickly analyze your fina…”
Thousand Oaks, CA
“As a Realtor, getting the best lending source for my clients is absolutely paramount. I have referred Mark at Lowermortgage.net to many of my clients. Each had a positive experience. He listens and works hard for his clients.”
Thousand Oaks, CA
“Mark is competent and easy to work with. He saved me about $525 a month with a new refinance. Thanks Mark, you did a great job.”
Refinance
“I've had a fantastic experience with Mark. He is attentive to detail and did not hesitate to answer my questions or concerns. He coordinated everything on his end, communicated promptly, and had my loan ready to close early. We will use him again whenever…”
Thousand Oaks, CA
“This is the third time we refinanced with Mark. He is very knowledgeable and responsive, found the best low rate, and made the entire process very easy.”
Refinance
“I have known Mark for over 6 years and he helped us tremendously when we were closing on a refinance. He has now helped us with our purchase. The process was easy and I always felt like I was going to be taken care of.”
Refinance
“We've done business with Mark from Lower Mortgage for the last 15 to 20 years. With Mark, you get experience, resources, and full follow up until his clients are fully funded and closed. We will always recommend Mark and his services.”
Thousand Oaks, CA
“We closed on our first home this week and it would not have happened without Mark. Not only was he a wonderful human and very easy to talk to and work with, he beat the pants off the other brokers we spoke with. In a market where rates were not great in g…”
First-Time Buyer
“Mark is an incredible professional and is super cool. He helps with anything. I had the opportunity to work with him on one of my refinances. He answered questions and helped solve issues throughout the whole process. We closed on time and actually could…”
Refinance
“Mark is one of the best loan officers ever. He knows home loans from beginning to end and can help identify the right product. He communicates clearly, makes sure the process is correct, and works to get the best deal for you.”
Thousand Oaks, CA
“There is no better lender than Mark. He is professional, easy to work with, and fights to ensure the rate is the best available. He answers his phone whenever needed and helps throughout the loan process.”
Thousand Oaks, CA
“Mark is very kind and professional. He is very knowledgeable regarding every cause and getting the transaction done quickly. I have referred him to my friends and family many times and he did a great job.”
Thousand Oaks, CA
“Mark made it super easy to work with. We got a loan and locked in at a lower mortgage rate. He kept us up to date at every step and worked quickly throughout the process.”
Refinance
“Mark Gurich and the team at Lowermortgage.net are the best in the industry. I would recommend Mark to any of my friends or family. He is a Pro Elite status broker with UWM and continuously closing loans quickly. Mark will go to bat for each and every one…”
Thousand Oaks, CA
“Mark makes it a pleasure for us. In a new home loan or refinance, not only can he find you the lowest rate for your loan, but he will also walk you through the entire process, eliminating any surprises or misconceptions. Mark can quickly analyze your fina…”
Thousand Oaks, CA
“As a Realtor, getting the best lending source for my clients is absolutely paramount. I have referred Mark at Lowermortgage.net to many of my clients. Each had a positive experience. He listens and works hard for his clients.”
Thousand Oaks, CA
“Mark is competent and easy to work with. He saved me about $525 a month with a new refinance. Thanks Mark, you did a great job.”
Refinance
“I've had a fantastic experience with Mark. He is attentive to detail and did not hesitate to answer my questions or concerns. He coordinated everything on his end, communicated promptly, and had my loan ready to close early. We will use him again whenever…”
Thousand Oaks, CA
“This is the third time we refinanced with Mark. He is very knowledgeable and responsive, found the best low rate, and made the entire process very easy.”
Refinance
“I have known Mark for over 6 years and he helped us tremendously when we were closing on a refinance. He has now helped us with our purchase. The process was easy and I always felt like I was going to be taken care of.”
Refinance
“We've done business with Mark from Lower Mortgage for the last 15 to 20 years. With Mark, you get experience, resources, and full follow up until his clients are fully funded and closed. We will always recommend Mark and his services.”
Thousand Oaks, CA
“We closed on our first home this week and it would not have happened without Mark. Not only was he a wonderful human and very easy to talk to and work with, he beat the pants off the other brokers we spoke with. In a market where rates were not great in g…”
First-Time Buyer
“Mark is an incredible professional and is super cool. He helps with anything. I had the opportunity to work with him on one of my refinances. He answered questions and helped solve issues throughout the whole process. We closed on time and actually could…”
Refinance
“Mark is one of the best loan officers ever. He knows home loans from beginning to end and can help identify the right product. He communicates clearly, makes sure the process is correct, and works to get the best deal for you.”
Thousand Oaks, CA
“There is no better lender than Mark. He is professional, easy to work with, and fights to ensure the rate is the best available. He answers his phone whenever needed and helps throughout the loan process.”
Thousand Oaks, CA
“Mark is very kind and professional. He is very knowledgeable regarding every cause and getting the transaction done quickly. I have referred him to my friends and family many times and he did a great job.”
Thousand Oaks, CA
“Mark made it super easy to work with. We got a loan and locked in at a lower mortgage rate. He kept us up to date at every step and worked quickly throughout the process.”
Refinance
“Mark Gurich and the team at Lowermortgage.net are the best in the industry. I would recommend Mark to any of my friends or family. He is a Pro Elite status broker with UWM and continuously closing loans quickly. Mark will go to bat for each and every one…”
Thousand Oaks, CA
“Mark makes it a pleasure for us. In a new home loan or refinance, not only can he find you the lowest rate for your loan, but he will also walk you through the entire process, eliminating any surprises or misconceptions. Mark can quickly analyze your fina…”
Thousand Oaks, CA
“As a Realtor, getting the best lending source for my clients is absolutely paramount. I have referred Mark at Lowermortgage.net to many of my clients. Each had a positive experience. He listens and works hard for his clients.”
Thousand Oaks, CA
“Mark is competent and easy to work with. He saved me about $525 a month with a new refinance. Thanks Mark, you did a great job.”
Refinance
“I've had a fantastic experience with Mark. He is attentive to detail and did not hesitate to answer my questions or concerns. He coordinated everything on his end, communicated promptly, and had my loan ready to close early. We will use him again whenever…”
Thousand Oaks, CA
“This is the third time we refinanced with Mark. He is very knowledgeable and responsive, found the best low rate, and made the entire process very easy.”
Refinance
“I have known Mark for over 6 years and he helped us tremendously when we were closing on a refinance. He has now helped us with our purchase. The process was easy and I always felt like I was going to be taken care of.”
Refinance
“We've done business with Mark from Lower Mortgage for the last 15 to 20 years. With Mark, you get experience, resources, and full follow up until his clients are fully funded and closed. We will always recommend Mark and his services.”
Thousand Oaks, CA
“We closed on our first home this week and it would not have happened without Mark. Not only was he a wonderful human and very easy to talk to and work with, he beat the pants off the other brokers we spoke with. In a market where rates were not great in g…”
First-Time Buyer
“Mark is an incredible professional and is super cool. He helps with anything. I had the opportunity to work with him on one of my refinances. He answered questions and helped solve issues throughout the whole process. We closed on time and actually could…”
Refinance
“Mark is one of the best loan officers ever. He knows home loans from beginning to end and can help identify the right product. He communicates clearly, makes sure the process is correct, and works to get the best deal for you.”
Thousand Oaks, CA
“There is no better lender than Mark. He is professional, easy to work with, and fights to ensure the rate is the best available. He answers his phone whenever needed and helps throughout the loan process.”
Thousand Oaks, CA
“Mark is very kind and professional. He is very knowledgeable regarding every cause and getting the transaction done quickly. I have referred him to my friends and family many times and he did a great job.”
Thousand Oaks, CA
“Mark made it super easy to work with. We got a loan and locked in at a lower mortgage rate. He kept us up to date at every step and worked quickly throughout the process.”
Refinance
“Mark Gurich and the team at Lowermortgage.net are the best in the industry. I would recommend Mark to any of my friends or family. He is a Pro Elite status broker with UWM and continuously closing loans quickly. Mark will go to bat for each and every one…”
Thousand Oaks, CA
“Mark makes it a pleasure for us. In a new home loan or refinance, not only can he find you the lowest rate for your loan, but he will also walk you through the entire process, eliminating any surprises or misconceptions. Mark can quickly analyze your fina…”
Thousand Oaks, CA
“As a Realtor, getting the best lending source for my clients is absolutely paramount. I have referred Mark at Lowermortgage.net to many of my clients. Each had a positive experience. He listens and works hard for his clients.”
Thousand Oaks, CA
“Mark is competent and easy to work with. He saved me about $525 a month with a new refinance. Thanks Mark, you did a great job.”
Refinance
“I've had a fantastic experience with Mark. He is attentive to detail and did not hesitate to answer my questions or concerns. He coordinated everything on his end, communicated promptly, and had my loan ready to close early. We will use him again whenever…”
Thousand Oaks, CA
“This is the third time we refinanced with Mark. He is very knowledgeable and responsive, found the best low rate, and made the entire process very easy.”
Refinance
“I have known Mark for over 6 years and he helped us tremendously when we were closing on a refinance. He has now helped us with our purchase. The process was easy and I always felt like I was going to be taken care of.”
Refinance
“My wife, Elizabeth Feliciano, has answered all my questions on time, but the most important thing, he always takes care of me to meet my needs. I strongly recommend it.”
Thousand Oaks, CA
“Great service with no nonsense products and very easy. Great experience working with Mark. Highly recommend.”
Thousand Oaks, CA
“I attended a presentation by Mark at Lowermortgage.net and found the information enlightening. I would certainly consider using Lowermortgage.net for financing when purchasing a property.”
Thousand Oaks, CA
“Got the lowest rates, outstanding service, and terrific direction. Mark helps you get in the home of your dreams.”
Thousand Oaks, CA
“Mark is professional and exceeded beyond customer satisfaction.”
Thousand Oaks, CA
“Quick and easy. Thank you.”
Thousand Oaks, CA
“We just got to step into our new home for the first time, still can't believe it all came together! Because we owned a second home out of state and the conforming loan limits in our new area were lower, this wasn't a straightforward refinance. Several len…”
Second Home
“I have known Mark for many many years but had never had the opportunity to work with him. I'm recently divorced and found myself needing help after selling the house I had lived with my ex and honestly felt a bit lost and helpless. I was scared of what th…”
Thousand Oaks, CA
“I was referred to Mark by my accountant who has referred him many times AND continues to refer him because he gets the job done. From start to finish I knew exactly what was happening, when it was happening and why. He took care of everything. It was a co…”
Refinance
“We had a great experience with Mark at Lowermortgage. This is the 3rd time we refinanced with him and as usual the process was seamless. I would recommend them to anyone.”
Refinance
“My parents and I have both utilized Mark's services. He is very professional and responsive. He went out of his way to help us with getting our loans. For example, he often would drop documents off at my house so that we could get things turned around fas…”
Thousand Oaks, CA
“Mark provides great service and is cordial and professional in all of his communications. We've used LowerMortgage several times and have gotten great service each time. If you are looking for a home mortgage and want peace of mind that you are getting a…”
Newbury Park, CA
“This is the 2nd time working with Mark and his team. They are always professional, courteous and knowledgeable. They always work with you and take your individual situation into account when deciding what might work best for you. Mark was always quick to…”
North Hollywood, CA
“I was referred to Mark at Lowermortgage.net by a friend when I was in the process of refinancing. Not only did Mark beat the rate and terms that I was quoted elsewhere but he made the whole process easy. Everything was explained clearly to me from start t…”
Refinance
“I have used Mark at LowerMortgage a couple of times now. He was very professional and knowledgeable. He put me at ease right away, as I was unsure how to navigate through the process of applying for a home mortgage and years later to re-finance. He answer…”
Refinance
“My wife, Elizabeth Feliciano, has answered all my questions on time, but the most important thing, he always takes care of me to meet my needs. I strongly recommend it.”
Thousand Oaks, CA
“Great service with no nonsense products and very easy. Great experience working with Mark. Highly recommend.”
Thousand Oaks, CA
“I attended a presentation by Mark at Lowermortgage.net and found the information enlightening. I would certainly consider using Lowermortgage.net for financing when purchasing a property.”
Thousand Oaks, CA
“Got the lowest rates, outstanding service, and terrific direction. Mark helps you get in the home of your dreams.”
Thousand Oaks, CA
“Mark is professional and exceeded beyond customer satisfaction.”
Thousand Oaks, CA
“Quick and easy. Thank you.”
Thousand Oaks, CA
“We just got to step into our new home for the first time, still can't believe it all came together! Because we owned a second home out of state and the conforming loan limits in our new area were lower, this wasn't a straightforward refinance. Several len…”
Second Home
“I have known Mark for many many years but had never had the opportunity to work with him. I'm recently divorced and found myself needing help after selling the house I had lived with my ex and honestly felt a bit lost and helpless. I was scared of what th…”
Thousand Oaks, CA
“I was referred to Mark by my accountant who has referred him many times AND continues to refer him because he gets the job done. From start to finish I knew exactly what was happening, when it was happening and why. He took care of everything. It was a co…”
Refinance
“We had a great experience with Mark at Lowermortgage. This is the 3rd time we refinanced with him and as usual the process was seamless. I would recommend them to anyone.”
Refinance
“My parents and I have both utilized Mark's services. He is very professional and responsive. He went out of his way to help us with getting our loans. For example, he often would drop documents off at my house so that we could get things turned around fas…”
Thousand Oaks, CA
“Mark provides great service and is cordial and professional in all of his communications. We've used LowerMortgage several times and have gotten great service each time. If you are looking for a home mortgage and want peace of mind that you are getting a…”
Newbury Park, CA
“This is the 2nd time working with Mark and his team. They are always professional, courteous and knowledgeable. They always work with you and take your individual situation into account when deciding what might work best for you. Mark was always quick to…”
North Hollywood, CA
“I was referred to Mark at Lowermortgage.net by a friend when I was in the process of refinancing. Not only did Mark beat the rate and terms that I was quoted elsewhere but he made the whole process easy. Everything was explained clearly to me from start t…”
Refinance
“I have used Mark at LowerMortgage a couple of times now. He was very professional and knowledgeable. He put me at ease right away, as I was unsure how to navigate through the process of applying for a home mortgage and years later to re-finance. He answer…”
Refinance
“My wife, Elizabeth Feliciano, has answered all my questions on time, but the most important thing, he always takes care of me to meet my needs. I strongly recommend it.”
Thousand Oaks, CA
“Great service with no nonsense products and very easy. Great experience working with Mark. Highly recommend.”
Thousand Oaks, CA
“I attended a presentation by Mark at Lowermortgage.net and found the information enlightening. I would certainly consider using Lowermortgage.net for financing when purchasing a property.”
Thousand Oaks, CA
“Got the lowest rates, outstanding service, and terrific direction. Mark helps you get in the home of your dreams.”
Thousand Oaks, CA
“Mark is professional and exceeded beyond customer satisfaction.”
Thousand Oaks, CA
“Quick and easy. Thank you.”
Thousand Oaks, CA
“We just got to step into our new home for the first time, still can't believe it all came together! Because we owned a second home out of state and the conforming loan limits in our new area were lower, this wasn't a straightforward refinance. Several len…”
Second Home
“I have known Mark for many many years but had never had the opportunity to work with him. I'm recently divorced and found myself needing help after selling the house I had lived with my ex and honestly felt a bit lost and helpless. I was scared of what th…”
Thousand Oaks, CA
“I was referred to Mark by my accountant who has referred him many times AND continues to refer him because he gets the job done. From start to finish I knew exactly what was happening, when it was happening and why. He took care of everything. It was a co…”
Refinance
“We had a great experience with Mark at Lowermortgage. This is the 3rd time we refinanced with him and as usual the process was seamless. I would recommend them to anyone.”
Refinance
“My parents and I have both utilized Mark's services. He is very professional and responsive. He went out of his way to help us with getting our loans. For example, he often would drop documents off at my house so that we could get things turned around fas…”
Thousand Oaks, CA
“Mark provides great service and is cordial and professional in all of his communications. We've used LowerMortgage several times and have gotten great service each time. If you are looking for a home mortgage and want peace of mind that you are getting a…”
Newbury Park, CA
“This is the 2nd time working with Mark and his team. They are always professional, courteous and knowledgeable. They always work with you and take your individual situation into account when deciding what might work best for you. Mark was always quick to…”
North Hollywood, CA
“I was referred to Mark at Lowermortgage.net by a friend when I was in the process of refinancing. Not only did Mark beat the rate and terms that I was quoted elsewhere but he made the whole process easy. Everything was explained clearly to me from start t…”
Refinance
“I have used Mark at LowerMortgage a couple of times now. He was very professional and knowledgeable. He put me at ease right away, as I was unsure how to navigate through the process of applying for a home mortgage and years later to re-finance. He answer…”
Refinance
“My wife, Elizabeth Feliciano, has answered all my questions on time, but the most important thing, he always takes care of me to meet my needs. I strongly recommend it.”
Thousand Oaks, CA
“Great service with no nonsense products and very easy. Great experience working with Mark. Highly recommend.”
Thousand Oaks, CA
“I attended a presentation by Mark at Lowermortgage.net and found the information enlightening. I would certainly consider using Lowermortgage.net for financing when purchasing a property.”
Thousand Oaks, CA
“Got the lowest rates, outstanding service, and terrific direction. Mark helps you get in the home of your dreams.”
Thousand Oaks, CA
“Mark is professional and exceeded beyond customer satisfaction.”
Thousand Oaks, CA
“Quick and easy. Thank you.”
Thousand Oaks, CA
“We just got to step into our new home for the first time, still can't believe it all came together! Because we owned a second home out of state and the conforming loan limits in our new area were lower, this wasn't a straightforward refinance. Several len…”
Second Home
“I have known Mark for many many years but had never had the opportunity to work with him. I'm recently divorced and found myself needing help after selling the house I had lived with my ex and honestly felt a bit lost and helpless. I was scared of what th…”
Thousand Oaks, CA
“I was referred to Mark by my accountant who has referred him many times AND continues to refer him because he gets the job done. From start to finish I knew exactly what was happening, when it was happening and why. He took care of everything. It was a co…”
Refinance
“We had a great experience with Mark at Lowermortgage. This is the 3rd time we refinanced with him and as usual the process was seamless. I would recommend them to anyone.”
Refinance
“My parents and I have both utilized Mark's services. He is very professional and responsive. He went out of his way to help us with getting our loans. For example, he often would drop documents off at my house so that we could get things turned around fas…”
Thousand Oaks, CA
“Mark provides great service and is cordial and professional in all of his communications. We've used LowerMortgage several times and have gotten great service each time. If you are looking for a home mortgage and want peace of mind that you are getting a…”
Newbury Park, CA
“This is the 2nd time working with Mark and his team. They are always professional, courteous and knowledgeable. They always work with you and take your individual situation into account when deciding what might work best for you. Mark was always quick to…”
North Hollywood, CA
“I was referred to Mark at Lowermortgage.net by a friend when I was in the process of refinancing. Not only did Mark beat the rate and terms that I was quoted elsewhere but he made the whole process easy. Everything was explained clearly to me from start t…”
Refinance
“I have used Mark at LowerMortgage a couple of times now. He was very professional and knowledgeable. He put me at ease right away, as I was unsure how to navigate through the process of applying for a home mortgage and years later to re-finance. He answer…”
Refinance
