Carlton Hockaday
Lower, LLC
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
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Carlton did an awesome job with helping us buy our new home. He handled everything with ease and was very personable. He also was able to answer all questions with ease and got things done very quickly. I would recommend him to all my friends...
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Constant communication and ability to answer question. this helped me and my wife feel confident about moving forward with the process
Reply from Carlton Hockaday
June 15th, 2026 06:41 PM
Dennis, I'm glad to hear that the constant communication and support made you and your wife feel confident throughout the process. Your feedback is much appreciated, and I'm pleased to have been able to assist you both.
He made sure I was able to understand what each step was and what the next process would be . He answered every question I had asked and was very courteous and made me feel at ease. This was my 3 time working with a lender and this was the...
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Carlton was professional and took the time to explain each step of the process. He is genuinely kind and thoughtful, which is refreshing and not something you come across often these days.
The straight forward communication.
Carlton was wonderful to work with . helpful, engaged, and supportive thru the entire process.
Carlton's communication and follow through was unbelievable. Every question we had, he responded with a thorough and educated answer. When we expressed concern or uncertainty, he responded with sound and relevant information. He was prompt...
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Carlton was very open and honest. He was great at helping us manage our expectations through out the process. We have purchased and refinanced numerous times in the past and this by far was the most pleasant and stress free experience.
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Carlton did an excellent job, but dealing with mortgage refinancing is never a walk in the park.
Mr. C. Hockaday
10 of 17
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
Conventional Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 1481511
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.