Lower Executive and Leadership Team

Selene Kellam, the Chief Operating Officer at Lower, directs the internal infrastructure required to scale the fintech platform. Overseeing the daily execution of mortgage lending and insurance services, the Chief Operating Officer ensures that the digital one-stop shop maintains high efficiency while processing billions in loan volume. Kellam manages the operational workflows that connect customers to the broader homeownership ecosystem, ensuring that every transaction meets strict regulatory standards. By optimizing the internal processes that support the company's FNMA/FHLMC/GNMA seller-servicer status, Selene Kellam drives the operational excellence necessary to maintain a five-star customer experience. The Chief Operating Officer also coordinates with cross-functional teams to refine the user journey, removing barriers for prospective homeowners across the country. Through rigorous oversight of internal systems, Kellam secures the stability and scalability of the entire platform, ultimately supporting the company's mission to facilitate wealth creation through accessible home finance solutions.

Adam Wiener, the President at Lower, executes the overarching corporate strategy and guides the long-term vision for the fintech platform. Overseeing the integration of mortgage, insurance, and savings products, the President ensures that the company maintains its competitive edge as a digital one-stop shop for home finance. Wiener directs the expansion of the platform's capabilities, focusing on reducing the barriers to entry for homeowners across the country. By fostering innovation within the product development teams, Adam Wiener drives the creation of tools that empower users to save for and purchase homes with greater ease. The President collaborates with the founders and the board to navigate the complexities of the national housing market, ensuring that the company's growth remains sustainable and impactful. Through the leadership of the executive team, Wiener secures the company's position as a leader in the industry, consistently delivering value to customers while maintaining the high standards that define the brand's reputation.

Jason Morrison, the Chief Revenue Officer at Lower, architects the growth strategies that expand the company's market footprint across the United States. Driving the acquisition of new customers through both direct digital channels and the extensive channel partner network, the Chief Revenue Officer ensures that the platform reaches individuals at every stage of the homeownership journey. Morrison manages the relationships with over 35 major insurance carriers, integrating these partnerships into the core revenue model to provide comprehensive protection for homeowners. By analyzing market trends and consumer behavior, Jason Morrison optimizes the sales funnel to maximize loan originations and insurance policy placements. The Chief Revenue Officer collaborates with the executive team to align revenue targets with the broader goal of making homeownership more attainable. Through strategic expansion of the partner network and the refinement of sales tactics, Morrison sustains the rapid growth trajectory that defines the company's current market position.

Jennifer Hoffer, the Chief of Staff at Lower, manages the strategic alignment of internal initiatives and executive priorities. Coordinating the communication between leadership and the broader organization, the Chief of Staff ensures that the company's mission to help people build wealth remains the central focus of every department. Hoffer facilitates the execution of high-level projects that span mortgage, insurance, and savings divisions, ensuring that cross-functional teams operate with maximum efficiency. By streamlining the decision-making processes within the executive suite, Jennifer Hoffer enables the leadership team to respond rapidly to shifts in the fintech landscape. The Chief of Staff also oversees the internal culture initiatives that have earned the company recognition as a top workplace nationwide. Through the management of organizational resources and the synchronization of corporate goals, Hoffer supports the long-term vision of the company, ensuring that every operational unit contributes effectively to the overarching objective of simplifying the homeownership process.