Lower Executive and Leadership Team

Selene Kellam, the Chief Operating Officer at Lower, architects the internal infrastructure required to support the company's rapid scaling and FNMA/FHLMC/GNMA seller-servicer operations. Managing the day-to-day business functions, Kellam ensures that the mortgage and insurance workflows remain efficient and compliant with national standards. This role involves overseeing the technological integration of the home finance platform to provide a seamless user experience for customers saving for a home. Selene Kellam drives operational excellence by refining processes that lower barriers to homeownership. By aligning the efforts of the operations team with the broader corporate mission, Kellam maintains the high service quality that has earned the company thousands of five-star reviews. The Chief Operating Officer monitors performance metrics to identify areas for improvement, ensuring that the firm remains agile in a fluctuating housing market while delivering consistent value to every client.

Adam Wiener, the President at Lower, provides executive leadership and strategic direction for the entire fintech organization. Guiding the company through its mission to help people build wealth through homeownership, Wiener oversees the integration of savings, mortgage, and insurance products into a unified digital experience. This role involves setting the long-term vision for market expansion and ensuring that the firm maintains its reputation as a top workplace. Adam Wiener collaborates with the board and other C-suite leaders to navigate the complexities of the national housing finance industry. By fostering a culture of innovation, the President drives the development of tools that simplify the homeownership journey for customers across the country. Through careful management of corporate resources and strategic partnerships, Wiener ensures that the company continues to fund billions in loans while upholding the highest standards of service and operational integrity.

Jennifer Hoffer, the Chief of Staff at Lower, manages internal communications and cross-departmental alignment to ensure the company meets its ambitious growth targets. By coordinating executive priorities, Hoffer streamlines decision-making processes across the fintech platform. This role involves translating high-level corporate objectives into actionable tasks for various teams, ensuring that the mission of helping people build wealth through homeownership remains the primary focus. Jennifer Hoffer maintains a constant pulse on organizational health, facilitating collaboration between the leadership team and staff to optimize productivity. Through rigorous project management and strategic oversight, the Chief of Staff drives the execution of initiatives that support the company's status as a top workplace. By removing operational bottlenecks, Hoffer enables the broader organization to scale effectively while maintaining the high standards of service that define the brand's reputation in the competitive mortgage and insurance landscape.

Jason Morrison, the Chief Revenue Officer at Lower, directs all sales strategies and revenue-generating activities across the national mortgage and insurance portfolio. Overseeing the expansion of the channel partner network, Morrison ensures that the company connects effectively with realtors and builders to capture market share. This leadership role involves optimizing the digital home finance platform to increase conversion rates and loan volume. By analyzing market trends and consumer behavior, Jason Morrison identifies new opportunities for growth within the fintech sector. The Chief Revenue Officer collaborates with insurance carriers to broaden the suite of protection products available to homeowners. Through the implementation of data-driven sales tactics, Morrison secures long-term financial stability for the firm. This focus on revenue performance directly supports the company's ability to fund billions in loans while maintaining a five-star customer experience across the entire country.