Helping Buyers
Compete – and win

Fast closings, strong approvals, and smart strategy—giving buyers the competitive edge and the best negotiating leverage during a home purchase, even against cash and higher offers.
★★★★★
“We won over multiple offers because Desiree reached out directly to the agent and vouched for us as quality buyers… even though there were higher offers.”-Michael R.

Win More Offers.
Close with Confidence.

Why Buyers (And Agents) Choose The Lowe Team

Day
Closes

Industry Average:
47 Days

Move fast in a market
where speed wins

%

Loans Closed
on Time

Industry Average:
75%

Dependable execution that builds seller confidence

%

Customer Satisfaction

Industry Average:
52%

A process built around communication and clari

Years of
Experience

Experience
wins deals

Navigate complex financing with clarity and confidence

%

Top Mortgage Originator in US

Among the Best
in the Nation

Proven performance at the highest level

%

Blacklisted Condo Approval Rate

2500+ Projects
Reviewed Annually

Including projects with litigation or challenges

Projects Removed off Fannie Blacklist

Experts in Hard-To-Finance Condo Projects

Allowing condo purchases considered unapprovable

Day Closes for FHA Spot Approvals

Something Most
Lenders Can’t Do

A smoother, faster path through complex approvals

FHA Spot
Approvals Annually

Authorized to Approve Entire Condominiums

Helping buyers move forward without delays

Loan
Programs

More Options,
More Flexibility

More ways to solve unique borrower needs.

Statistics as of 12.31.2025

EXPERIENCE YOU CAN TRUST.
GUIDANCE YOU CAN COUNT ON.

With over 20 years of experience, Desiree Lowe and her team are known for helping clients navigate even the most complex financing scenarios with clarity and confidence. Their approach combines deep industry knowledge, strategic thinking, and consistent communication—so clients and agents always know what to expect and how to move forward.

The Lowe Team’s closing speed, approval strength, and ability to clearly communicate financing strength to the seller’s side gives buyers a powerful competitive edge and stronger negotiating leverage during a property purchase—even when competing against cash buyers or higher offers.

As part of a full-service direct lender, The Lowe Team can underwrite, close, and fund most loans in-house—often translating to lower interest rates, reduced closing costs, and faster turnaround times.

Meet Desiree Lowe

Managing Director & Senior Loan Officer
NMLS #201719

Recognized by Leading Mortgage Publications and Industry Organizations for Excellence in Lending

real clients. real results.

“My wife and I have been fortunate to work with Desiree since our first home purchase back in 2014. She most recently helped us purchase a vacation property and the reason we won over multiple offers was because Desiree reached out directly to the agent to introduce herself and vouch for us as quality buyers. We were told after the fact by the sellers agent that Desiree’s outreach gave us the leg up on other buyers, even though there were higher offers. Not only is Desiree the best at what she does, she is extremely easy to work with and completely transparent and open throughout the process. If you are looking for the best lender in the business look no further than Desiree and her team.”

– Michael R.

I have had the pleasure of working with Desiree twice in the past year and I could not have asked for a more knowledgeable, diligent, caring and professional mortgage expert to work with. I was introduced to Desiree when my home loan was falling through and I was losing my dream house. My closing deadline was only 10 days away and meeting the deadline seemed impossible given the circumstances. It was a Friday evening when I left a voicemail for Desiree; I did not expect to receive a response until Monday. Desiree called me within minutes of receiving my voicemail and started working on my loan immediately. We met the closing deadline with no issues. I, as well as everyone involved in the process were fully aware that this would not have been possible without Desiree’s expertise, diligence and exceptional work-ethic. Buying a house is an important decision; the process can be intense and stressful at times and it is crucial to have an honest and diligent expert on one’s team. Desiree is an extraordinary mortgage professional, and I now live in my dream house because of her.”

– Mona R.

Desiree was a rock star! This is actually the second loan I closed through Desiree. I truly believe that no other lender could have closed on my loan because that’s what the other lenders told me, couldn’t be done. From the first minute I reached out to Desiree, I had my pre-approval in 24 hours and we were in constant communications because I understand that my loan situation was unique and very difficult to get done. Desiree and her team worked tirelessly to push the loan through and she was always courteous and friendly, even when responding to my questions over the weekends. It always felt like she wanted us to get our dream house as much as we did. I would recommend Desiree to anyone looking for a house loan in a heart beat.”

– Sammy L

“This was my 3rd time working with Desiree on a loan. This last one was a jumbo loan so I wasn’t sure if Desiree would be able to prevail against the banks that I was talking to, but lo and behold, she’s my top pick again. Due to my work schedule this time of year, as well as my indecisiveness, I unfortunately had to put her in a REALLY tough position giving her only a few days to close, but when Desiree tells you, “if anyone can close this in time, it’s me”, you just have her run with it. The escrow company didn’t even believe she can close in time but Desiree proved them wrong. As always, Desiree kept me fully updated with everything going on behind the scenes, answered all questions I had, and addressed all concerns. She continues to impress me with her responsiveness (she was even responding to emails while she was overseas in a completely different time zone!), integrity, and ability to set expectations. With this being a jumbo loan, there were some additional requirements that made the approval process take a little longer than a conventional loan, but since Desiree was leading the charge, I knew exactly what needed to be done on my end and by when. I don’t know what else to say, she’s a true pro.”

– Arthur K.

“I came to Desiree Lowe at Supreme Mortgage in a bit of a pickle. I had been through the ringer with one of the big banks only to tell me after 2+ weeks of review they couldn’t give me the load they had verbally given me the OK on. Should I have fully trusted the verbal, probably not. Should they have verbally told me yes, probably not. Anyways i had a good chunk of change released already in a non refundable deposit on the property and little time to lock this thing up. I was sh*tt**g my pants to be honest. BUT! By referral, in came Desiree to the rescue. She was able to work with my not so easy, or typical, financial portfolio to get me the loan I needed at an INSANE rate and close the deal in 21 days. My agent with 30+ years experience swore I was killing the deal and understandably was apprehensive with the curve ball I threw this late into the game. After a few days of great progress with the approval status and professional and timely response from Desiree and her team, he was turning the corner on her. When we closed 1 day ahead of schedule, he was a firm believer. I got the home of our dreams and Supreme Lending absolutely killed it. I don’t have a bad thing to say about Desiree and her team. I would, and already have, recommend her to anyone. My agent I think would say the same thing. Excellent rates, professional communication, clean and thorough process through and through. Don’t get things all screwed up like I did then come running for help with tears rolling down your face. You don’t need that and neither does she. Start your process with the best and call her.”
– Nick S.

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MORE THAN MORTGAGES — MAKING A DIFFERENCE

We believe success is about more than closing loans. A portion of our profits supports causes we care deeply about,
including organizations dedicated to rescuing and caring for animals in need.

home financing solutions
for every stage

Home Loan Options

From first-time buyers to experienced investors, explore a wide range of loan programs tailored to your goals.

Refinancing & Equity Access

Lower your payment, improve your terms, or access equity for major expenses.

Reverse Mortgages

Explore whether a reverse mortgage may support your financial flexibility in retirement.

Explore Home Loans >>

Explore Refinance Options >>

Learn More >>

Help position your offer effectively when bidding on your desired property 

01

Initial Consultation

Understand your goals and options

02

Pre-Approval Strategy

Build a strong, competitive approval

03

Offer Support

Help position your offer effectively

04

Loan Processing & Underwriting

Efficient, streamlined review

05

Clear to Close

Confident execution through closing

READY TO TAKE THE NEXT STEP?

Whether you're buying, refinancing, or exploring your options, The Lowe Team is here to help you move forward with confidence.