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
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9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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
Loved working with Chris. She is very knowledgable and responsive. Would definitely recommend Chris and her team. Wonderful experience working with her..
Reply from Christine Guddal-Sims
January 2nd, 2026 07:09 PM
Thank you so much, Deanna
It was truly my pleasure. I hope you enjoy many years of happiness in your new home. If you have any questions or concerns going forward,
please don't hesitate to reach out. We are always here for you.
Mrs. Sims was very knowledgeable in her field of work by answering any/all questions that were asked in a polite and professional manner, all while explaining in terms that were easily understandable. Mrs. Sims graciously extended herelf conforming...
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Reply from Christine Guddal-Sims
February 18th, 2026 11:03 PM
Thank you, WilliamIt was my pleasure to help you secure your little piece of paradise here in SW Florida. It was great working with you guys and getting to know you. I am here anytime you have questions or need me again. Ty! Chrismy assistance...
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Always available for questions, very knowledgeable and great follow up. Thank you so much for all that you did for us!
Reply from Christine Guddal-Sims
September 16th, 2025 01:56 PM
I'm so glad to hear that you found my support helpful, Kelly. Being available to answer your questions and ensuring a smooth process are important aspects of my work. Your satisfaction is my goal, and I’m pleased I could assist you effectively....
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I recently had the pleasure of working with Christine as my loan officer during the purchase of my new home, and I couldn’t be more satisfied with the experience. From start to finish, Christine was incredibly knowledgeable, skilled, and professional....
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Reply from Christine Guddal-Sims
September 16th, 2025 02:21 PM
Shane, I'm truly grateful for your kind words and for choosing me to assist with your home purchase. I'm pleased to hear that my guidance helped make the mortgage process smoother for you. Your trust and satisfaction are very important to me....
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Christine made me feel very comfortable to ask any question at all at any time. She calmed me down and told me not to worry and assured me that everything was going to be ok and she had my back. Professional and on time. I'm forever gratful!...
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Chris and Susan Jessen both worked extremely hard for me in a pretty demanding market and difficult circumstance. Wasn't the first time I worked with them and won't be the last.
This is the second time whithin 4 years that I have been dealing with Christine. I have been extremely satisfied as she is very courteous, informative and motivated.
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Carole, it's wonderful to hear from you again, and I'm so glad to know you've been satisfied with my help. It means a lot that you chose to work with me for a second time. I'm always here to make the process as smooth as possible for you, and...
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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.