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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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
Charles went above and beyond to listen to all my concerns and answer all my questions. After one conversation Charles made me feel safe and valid in this very difficult time. I look forward to working with him again in the future. Thank you...
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Reply from Charles Elswick
June 24th, 2025 02:25 PM
I'm thrilled to hear that I was able to address your concerns and make you feel supported during this challenging time. It was a pleasure working with you, and I look forward to assisting you again in the future. Thank you for your kind words...
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Charles listened. Not only that, but he is very accommodating. When he was informed at the very begining of this process, that I had a hearing disabilty, He made sure to make all necessary adjustments. I no longer felt like I was disabled....
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Reply from Charles Elswick
May 29th, 2025 01:46 PM
I'm thrilled to hear that your experience was so positive and accommodating. It was my pleasure to ensure that all necessary adjustments were made to meet your needs. Thank you for your kind words and trust in our team at Oxford. We look forward...
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From the first call I made to the office, everyone was very informative about each step I needed to take, explained all information I needed to turn in, very patient with me. Looked into what was the best for me in my circumstances. Over all...
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Reply from Charles Elswick
May 1st, 2025 04:08 PM
I'm thrilled to hear that you had a great experience and found the process informative and supportive. It was a pleasure assisting you, and I appreciate your kind words about our team. Thank you for choosing to work with us.
All parties involved listened to me when I discussed what I was trying to accomplish, and helped me achieve my goal.
Reply from Charles Elswick
April 1st, 2025 01:39 PM
I'm glad to hear that we were able to help you achieve your goal. It was a pleasure working with you, and I appreciate your feedback.
He was available to answer questions and clarify the loan process
Reply from Charles Elswick
March 30th, 2025 12:17 AM
I'm glad I could assist with your questions and help clarify the loan process. Your feedback is appreciated, and I'm here if you need any further assistance!
If you’re purchasing a house you want to call a home, Charles will make it happen for you! He worked by my side for 3 years! I truly felt like his only client. Do you want someone to stand up for you, give you stellar advice, and make your...
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Reply from Owner
July 24th, 2023 12:00 AM
Mike, Thank you for sharing your positive experience with Charles Elswick at LorMet. We're thrilled he provided you with dedicated support throughout your home-buying journey. Your satisfaction is our priority, and we'll pass on your kind words...
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I was pleased with the response time. Charles answered all my questions with patience and was very knowledgeable. Everything from the home appraisal to the final signature was streamline and easy. Thank you.
Charles did a fantastic job at guiding us through the entire home buying experience. I do not know how we would have made it through this process without him. He was very knowledgeable, timely, and went above and beyond to help us every step...
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Charles was personable, well informed, very detailed, and great communication to get us refinanced to save a bundle of money. I have referred him numerous times, and everyone could not be more pleased with the work he does for them.
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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
Primary Serving Area
Other 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.