Chelsea Winstead
VP of Lending | NMLS# 2674299
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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9 AM to 5 PM
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9 AM to 5 PM
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9 AM to 5 PM(Open now)
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Chelsea was amazing from beginning to end. She walked me through the process every step of the way. I felt overwhelmed being a first time homebuyer before I started working with her, but as soon as I found her, the stress went away.
Reply from Chelsea Winstead
October 8th, 2026 07:32 PM
Miranda, I'm glad to hear that I could help ease the stress of your home-buying journey. Being a first-time homebuyer can be overwhelming, and it's great to know that my guidance made the process smoother for you. Thank you for choosing to...
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Helped make sure everything worked out and went well
Chelsea and her team made me feel like no question was too much to ask. The communication, the speedy response, and the compassion given was amazing for a first time home buyer like me.
Reply from Chelsea Winstead
September 24th, 2026 01:14 PM
Hannah, I'm glad to hear that my team and I at Lower could provide you with the communication and support you needed during your first home-buying experience. It's wonderful to know that you felt comfortable asking questions and appreciated...
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I truly cannot say enough amazing things about Chelsea and her team at lower mortgage! From the very beginning, she made the entire home-buying process feel unbelievably easy and stress-free. She is kind, personable, incredibly communicative,...
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Reply from Chelsea Winstead
September 23rd, 2026 04:36 PM
Jessica, I'm so pleased to hear that your home-buying experience with me and my team at Lower was smooth and stress-free. It's wonderful to know that our communication and personalized approach made you feel supported and informed throughout...
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As a first-time home buyer, entering the property market felt incredibly daunting, but working with Chelsea Winstead completely changed that. From our very first meeting, Chelsea was incredibly welcoming, warm, and approachable, immediately...
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Very helpful, went the extra mile and did it very quickly
Reply from Chelsea Winstead
August 24th, 2026 05:57 PM
Bradley, I'm grateful for your kind words. I'm happy to hear that you found my assistance helpful and timely. If you have any more questions or need further help, feel free to reach out.
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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
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2674299
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.