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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So many scams out there, you do not know who you can trust today. Charles understood that and explained EVERYTHING step by step. Was very patient when we were hesitant. Charles made the process so easy that it almost seemed too good to be true....
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Reply from Charles Elswick
August 18th, 2026 08:07 PM
Jonathan, I appreciate your kind words and am glad to hear that you felt reassured throughout the process. It's important to me that my clients feel secure and well-informed every step of the way. Thank you for trusting me to assist with your...
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So many scams out there, you do not know who you can trust today. Charles understood that and explained EVERYTHING step by step. Was very patient when we were hesitant. Charles made the process so easy that it almost seemed too good to be true....
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Charles is QUICK and very knowledgeable in all things buying and selling homes. No questions went unanswered, and he helped us every step of the way.
Reply from Charles Elswick
August 10th, 2026 01:13 PM
I'm glad to hear that you found my assistance helpful, Jacob. Ensuring your questions are answered and guiding you through each step is important to me. If you have any more questions or need further support, please feel free to reach out.
Charles was very patient with any issues that we came across. When an issue did arise, he was right on it to find a solution. He made the process as easy as he could and explained exactly what was going to happen each step of the way. We will...
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Reply from Charles Elswick
August 2nd, 2026 04:30 PM
I'm thankful for your kind words, Mary. I'm glad to hear that you found the process easy and well-explained. Your willingness to refer friends is greatly appreciated, and it means a lot to me. If you or your friends have any questions in the...
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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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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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- 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.