Adam O'Neal Shelton
Loan Officer
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
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Great team honest informative
Reply from Adam O'Neal Shelton
May 14th, 2026 06:27 PM
Benjamin, I appreciate your kind words about the team being honest and informative. It's important to me that you felt supported throughout the process. If you ever have any more questions or need assistance, just let me know.
Excellent communication. Puntctual accomplishment of all tasks. Overall a very smooth experience.
Reply from Adam O'Neal Shelton
April 6th, 2026 04:12 PM
Maxim, I'm pleased to hear that the communication and task completion met your expectations, making the experience smooth for you. If there's anything else I can do to assist you in the future, please don't hesitate to reach out.
They listen to you
Reply from Adam O'Neal Shelton
April 6th, 2026 04:08 PM
Cherlie, I'm glad to know you felt heard throughout the process. Prioritizing your needs and ensuring you are understood is very important to me. If there's ever anything else I can do to assist you, please feel free to reach out.
Very efficient
Reply from Adam O'Neal Shelton
April 3rd, 2026 05:52 PM
Kevin, I appreciate your kind words. I'm glad to know you found the service efficient. If there's anything else I can do for you in the future, please don't hesitate to reach out.
Adam and his partner played a huge role in my ability to purchase a house. I had excellent credit, but my income as a retired senior citizen was unimpressive. The paperwork was intimidating at times. I wondered "what the heck am I signing here?"...
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Reply from Adam O'Neal Shelton
March 30th, 2026 05:19 PM
Renee, I'm really pleased to learn that my assistance contributed to your successful home purchase, and that the process became more manageable for you. Navigating through paperwork can indeed be daunting, so I'm glad I could clarify things...
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The whole process was quick and easy! Adam is super thorough!
Reply from Adam O'Neal Shelton
March 27th, 2026 04:40 PM
It's great to hear that you found the process quick and straightforward, Tammy. I always aim to ensure a thorough experience for everyone. If you have any further questions in the future, feel free to reach out. Thank you for your wonderful...
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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)
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.