McCaughan Home Lending, a division of Lower, LLC. is a Florida owned and operated mortgage banker with offices in Miami, Fort Myers and Clearwater, Florida. We originate and underwrite FHA, VA and Conventional loans in house. Being a small mortgage company enables us to provide excellent customer service and competitive rates to our customers. McCaughan Home Lending is a mortgage banker with extensive knowledge of Fannie Mae and Freddie Mac guidelines. For FHA and VA loans we are also a DE and LAPP approved lender.