Christine Guddal-Sims
Sr. Loan Officer | NMLS# 314540
College of St Teresa
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(Open now)
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Thu
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Reviews from Web
Christine expedited approval for my HELOC and delivered my funds in record time. Thank you Christine!
Reply from Christine Guddal-Sims
June 28th, 2026 01:36 PM
I'm pleased to hear that I was able to expedite your HELOC approval and deliver your funds quickly, Jeffrey. Your satisfaction is important to me, and I'm happy we could assist you efficiently. If you need anything else, please feel free to...
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Christine was great throughout the whole process. Her communication was great. The way she explained everything to me made it very simple and easy to understand. I am very gratefull to have Christine help me throughout the whole process she...
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Reply from Christine Guddal-Sims
May 26th, 2026 02:17 PM
Thank you so much, Michael, for your kind words and the opportunity to assist you with the mortgage on your first home. You were truly a pleasure to work with and your quick responses made all the difference. Please let me know if you have...
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Christine answered my questions every step of the way! She was personable and wonderful to work with.
Reply from Christine Guddal-Sims
April 12th, 2026 05:46 PM
Thank you Lauren!
It was truly my pleasure to assist you in this process. Your quick response to everything made all the difference.
I am here for any questions you may have at any time.
I hope you are very happy in your new home.
Chris and her team can get it done ! She's so knowledgable. Always available. Kind and understandin. No BS with Chris. We Loved working with her. Makes you want to buy another LOL ....😝 NOT. Chris is a HUGE asset to your company. We are glad...
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Reply from Christine Guddal-Sims
April 1st, 2026 11:52 AM
Thank you, Sue!!What a pleasure working with both of you! Everything came together so perfectly, for all parties.(2 weeks start to finish). How does that happen? Everyone involved participates to make it happen.We will be looking forward to...
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great communications from her and Susan
Reply from Christine Guddal-Sims
March 31st, 2026 07:56 PM
I'm glad to hear that you appreciated the communication, Kimberly. Collaborating effectively with Susan and ensuring clear communication is always a top priority. If there's anything else you need, feel free to let me know.
Chris is very prompt in responding to her clients. She is very professional and courteous ...we would highly recommend Chris to our friends and family!!
Reply from Christine Guddal-Sims
March 23rd, 2026 02:13 PM
Thank you Sandra for your 5 Star review. It was truly my pleasure to assist you in buying this wonderful home. I hope you have many happy years there. Please reach out if you ever need anything or have questions.
Chris, was very professional, prompt, responsive and very caring assisting us with our home purchase...
Reply from Christine Guddal-Sims
March 20th, 2026 02:11 PM
Thank you so much Sandra and Juan! Your trust in my team and your quick response to all questions is what made this purchase so seamless.It was truly our pleasure to help you purchase this lovely home. We are always here if you have any questions....
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She worked very diligently on my approval which I know was difficult. She made the process great for me
Reply from Christine Guddal-Sims
March 9th, 2026 06:42 PM
I'm grateful for your kind words, Chester. I'm pleased to know that my efforts in working on your approval made the process smoother for you. It was important to ensure everything went well, especially when challenges arise. If there's anything...
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Christine was super responsive and kept us on task so we were able to close in a tight time frame remotely!
Reply from Christine Guddal-Sims
February 16th, 2026 08:12 PM
I appreciate your feedback, David. It's great to know that my responsiveness and support helped you close within your tight schedule remotely. Keeping everything on track is important, and I'm glad I could assist in making the process smooth...
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Chris always answered every question I had and walked me through every step ! I couldn't of asked for anyone better
Reply from Christine Guddal-Sims
February 18th, 2026 10:53 PM
Thank you, Amanda!
It was such a pleasure helping you buy your first home. I hope you have many years of happiness there. I am here anytime for any questions
you may have in the future. TY! Chris
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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
Conventional Home Loan
Mortgage Refinance
Non-QM
DSCR Loans
Interest-Only Mortgages
Investor Mortgages
Home Equity Loan
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Education
- College of St TeresaBusiness (Marketing Focus)BA managementSep 1978 -May 1982
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 314540
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.