Stephen is a Vice president and Branch Manager with Lower Mortgage LLC. He is a seasoned mortgage professional with 30 years of experience with a specialty in the field of credit and nontraditional loans. He works with other mortgage loan officers around the country trouble shooting problem loans and structuring them to get those problem loans funded. Steve’s extensive knowledge and hands on approach have earned him a reputation as a trusted advisor in the area of mortgage financing and credit improvement. His comprehensive understanding of financing and credit improvement has helped countless individual and families. Committed to providing personalized service he takes the time to understand a clients unique situation providing education and empowerment to help people align their personal and financial long-term objectives. He will help you navigate your home ownership goals with confidence. Steve is an award winning mortgage professional.