Over 6 years of lending experience between small business loans and mortgage lending. Currently with Lower and using our comprehensive lending system to put together the best programs available.
Ratings & Reviews
Very responsive and timely process
Philip Czaja was wonderful in supporting our refinance of our home. Interest rate was competitive and process was simple and timely. Thank you Philip and Low**.com
Jeffrey Flynn from Berlin, CT
We had a great experience with Philip Cyza and the entire Lower team. The process was completed quickly, they listened to our concerns and answered our endless questions. Highly recommend!
Nicole from Kennesaw, GA
The best in the refinance business!
My husband and I loved doing our refinance with LOW**.com* The entire team, led by Philip Cyza, was amazing. They made everything in the process streamlined and simple. We highly recommend the team from LOW**.com* They are the very best!!! A. & L. Schwartz
Lisa from Stafford, VA
Philip was very professional, extremely helpful and made himself available for all our questions at every turn of the process. His friendliness and knowledge on every aspect both on the refinance side and HELOC was extensive. Anything he didn’t know, we humbly asked for some time to get an answer and quickly got us a response with the right information. I highly recommend lower for refinance to anyone who is looking.
Kaleb from Spokane, WA
Amazing service. Answered all questions
Kind. Quick process. Very intelligent and knowledgeable about all aspects of the process. This is a go to guy for the best service. I would send my family to him!!!
Lanny from Lafayette, LA