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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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
He was great to work with and made things easy and quick.
easy to talk to..good recommendations....very smooth process
I had an excellent experience with Carlton. He took his time to ensure that we understood all the issues and problems thoroughly. His professionalism and attention to detail were fantastic. I would definitely recommend him to my friends.
Without Carlton's expertise, kindness and timeliness for in his answers while also being transparent and not pushy, I dont know if we could have done it!
Carlton was pleasant, prompt and did everything that we talked about.
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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
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.