Adam Heiligman
Branch Manager
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L...... Show More
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Business Hours
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Adam was the best! From start to finish, he made what can often be a stressful process feel smooth, organized, and manageable. He was always available to answer questions, explain every step, and provide honest guidance throughout our home-buying...
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Reply from Adam Heiligman
June 5th, 2026 04:11 PM
Naoma, I'm glad to know that I could help make your home-buying journey smooth and manageable. It's great to hear that my availability and guidance were valuable to you. If you have any further questions or need assistance, please feel free...
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Adam offered friendly, professional customer service on emails and phone conversations. He did everything he could to get us approved for a 30 day settlement, including a week while we were away on vacation. He made sure all details were covered...
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Reply from Adam Heiligman
June 3rd, 2026 06:46 PM
David, I'm grateful for your wonderful feedback about my service during your mortgage process. It was truly a pleasure working with you, and I'm happy to hear that you felt part of the Lower family and like VIP clients. If you ever need anything...
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Friendly, knowledgeable and excellent service through the entire mortgage process from Adam and his team. They made everything easy for us, which we really appreciated.
Reply from Adam Heiligman
June 1st, 2026 02:39 PM
John, I'm pleased to hear that you found the mortgage process easy and appreciated the service from my team and me. Your kind words about our friendliness and knowledge mean a lot. If you have any more questions or need further assistance in...
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Quick response to questions.
Reply from Adam Heiligman
May 22nd, 2026 08:15 PM
Cynthia, I appreciate your feedback on my quick response to your questions. If there's anything else you need or any more questions arise, please don't hesitate to let me know.
Adam was very helpful and friendly!!
Reply from Adam Heiligman
May 19th, 2026 02:39 PM
Tammy, I'm glad to hear that you found my help friendly and useful. If you ever have more questions or need further assistance, please feel free to reach out.
Adam went above and beyond to help me secure a mortgage and dealing with my unique situation!!!!
Reply from Adam Heiligman
May 5th, 2026 06:27 PM
Kevin, I'm happy I could assist with your mortgage needs, especially given the unique circumstances. Going above and beyond for my clients is something I strive for. If you have any further questions or need assistance, please feel free to...
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Incredibly knowledgeable and friendly.
Reply from Adam Heiligman
April 7th, 2026 01:24 PM
I'm grateful for your feedback, Michael. It's important to me that you found my approach knowledgeable and friendly. Should you have any further questions or need assistance in the future, please feel free to reach out.
Adam and his team were great and communicated every step of the way.
Reply from Adam Heiligman
March 27th, 2026 02:02 PM
Thank you for sharing your experience, Andrew. I'm pleased that you found the communication throughout the process to be beneficial. Keeping things clear every step of the way is something I take seriously. If you have any further questions...
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From beginning to closing, Adam and his team made the refinancing process a breeze!
Reply from Adam Heiligman
March 23rd, 2026 01:44 PM
I'm glad the refinancing process felt effortless for you, Beth. Making each step clear and straightforward is a priority for me and my team. If you have any questions or need further assistance, please don't hesitate to contact me.
great customer service! Adam made it a seamless process!
Reply from Adam Heiligman
March 17th, 2026 04:30 PM
I appreciate your kind words, Kristyn. It's great to hear that the process felt seamless for you. If there’s anything more I can do or any questions you have in the future, feel free to reach out.
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 409866
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.