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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Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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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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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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Charles made himself easy to get a hold of, answered our questions promptly and in a way we could always understand, and made sure we were comfortable and well informed throughout each stage in this process.
Reply from Charles Elswick
April 13th, 2026 08:58 PM
I'm happy to know that you felt comfortable and informed throughout the process, Andrew. Ensuring that my clients can easily reach me and understand every step is important to me. If you have any more questions or need further assistance, please...
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This is our second time working with Charles and he is always wonderful to work with! He is thorough when he explains things, making sure we understand our options. I never felt embarrassed to ask a "silly" question and I felt confident in...
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Reply from Charles Elswick
April 8th, 2026 01:43 PM
It was great to work with you again, Crystal. I’m pleased to hear that you found my explanations thorough and felt comfortable asking questions throughout the process. Your confidence in my advice means a lot to me, and I'm glad you felt supported...
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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
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.