Fat around the lower abs and lower back is generally stubborn area for men. It'll come, but it'll be the last place to get lean. There is no magic to it. You just need to get leaner overall for it to get dialed in. You good look into a good topical fat burner like yohiflame from n2bm.com and cardarine Gw but honestly diet is everything for getting to 8% body fat or less.
Send me a pm or email if you want some help with your diet. Carb cycling is going to be your best option for getting lean and holding onto all your muscle mass (or even gaining muscle). You get the best of both worlds that way. The high carb days are very anablolic and refill depleted glycogen levels. The low carb days are fat loss focused and increase muscle insulin sensitivity