Charles Elswick
VP of Lending | NMLS# 1696764
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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Reviews from Web
Charles is a tremendous asset to Oxford Home Lending. From start to finish, Charles guided us through the process with patience, kindness, and knowledge. He answered more than his fair share of questions (trust me there were many) without making...
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Reply from Charles Elswick
February 13th, 2025 02:10 PM
Rosa, thank you so much for your kind words. It was truly a pleasure to work with you and help navigate the loan process together. I'm glad I could answer all your questions and make the experience as smooth as possible. Your trust and patience...
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Thanks to LorMet Mortgage Solutions, my husband and I are first-time homeowners! Charles was diligent and knowledgeable throughout the process, ultimately getting us cleared to close in just 19 days. His expertise put us at ease through each...
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Charles was very professional and personal throughout the entire process. He had our best interest in mind during the entire process and saw it through to completion from start to finish. He was in constant contact via e-mail and phone calls....
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CJ was always on top of everything. Kept us in the loop of what we needed to do and offered suggestions of who to use for various services. He's been nothing but professional and very knowledgeable throughout this entire process
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Reply from Charles Elswick
July 30th, 2026 01:13 PM
Thank you for sharing your experience, Heather. I'm glad to hear that you felt informed and supported throughout the process. If you have any more questions or need further assistance, please don't hesitate to reach out.
Charles Elswick made purchasing my first home a memorable and easy experience. Charles was very informative and well as patient with me as he walked me through every step. He took the time to ease my fears and answer every single question no...
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Reply from Charles Elswick
July 19th, 2026 02:17 PM
Marisol, I'm truly grateful for your kind words. It's wonderful to hear that your first home purchase was a memorable and easy experience. Your trust in me to guide you through each step and answer all of your questions means a lot. If you...
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Charles provided an exceptional lending experience throughout the entire home buying process. He remained highly responsive, transparent, and accessible from pre-approval through closing, consistently answering questions quickly and helping...
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Reply from Charles Elswick
May 22nd, 2026 02:02 PM
I'm grateful for your kind words, Zachary. I'm pleased to know that you felt confident and supported throughout the home buying process. Ensuring clear communication and being responsive are priorities for me, so I'm glad these aspects stood...
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Express my sincere gratitude for the exceptional service our family received throughout this process. We were treated with the utmost respect and care, and we truly appreciate the professional standard held by your establishment. In particular,...
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I am writing to express my sincere gratitude for the exceptional service our family received throughout this process. We were treated with the utmost respect and care, and we truly appreciate the professional standard held by your establishment....
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Reply from Charles Elswick
May 22nd, 2026 02:01 PM
Thank you so much for your kind words, Jamie. I'm truly grateful for the opportunity to work with your family and support you in reaching this important milestone. It's appreciated to hear that our efforts have helped make a positive impact...
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CJ is AMAZING!!
Reply from Charles Elswick
April 24th, 2026 09:01 PM
I'm glad to hear you had such a positive experience, Casiera. If you ever need anything else or have more questions, feel free to reach out.
Great one on one care and customer service
Reply from Charles Elswick
April 15th, 2026 03:25 PM
I'm glad to hear that you appreciated the one-on-one care and customer service, Desiree. It's important to me to provide personalized attention to each of my clients. If there's anything else I can help with, please don't hesitate to let me...
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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
VA Home Loan
Specialities
CONVENTIONAL LOANS
VA LOANS
MORTGAGE LOANS
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Addresses and Serving Areas
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Licenses
- NMLS# 1696764
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.