

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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Christine Guddal-Sims has received a review with 5 star rating from Carole D
It was a pleasure to deal with Christine, she know her stuff and was on top of it all the time.
I call this; knows what your are doing and how to treat your customer..
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Hi Emilio, I'm genuinely thrilled to hear that you had such a positive experience with me at CrossCountry Mortgage, LLC. Your words are very encouraging. Helping clients like you is why I do what I do. Thank you for taking the time to give...
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Christine is a work horse. Highly recommend.
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Thank you so much, Scott, for your kind words and outstanding rating. I'm delighted to hear that you had a positive experience with me at CrossCountry Mortgage, LLC. I strive to work as hard as possible for my clients, and your recommendation...
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Christine Guddal-Sims has received a review with 5 star rating from Emilio P
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Hi Emilio, thank you so much for your feedback! I'm thrilled to know that you're satisfied with the service provided at CrossCountry Mortgage. Your 5-star rating is greatly appreciated. It's always our goal to provide the best possible service...
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Thank you guys for guiding me into my first duplex investment! Will forever be grateful to you guys for the guidance and support through this whole journey. Will definitely be using your services for future investments!
Reply from Christine Guddal-Sims
August 18th, 2024 01:39 PM
I'm thrilled to hear that you had such a positive experience with your first duplex investment, Yenecis! It was truly a pleasure guiding you through this journey. Your gratitude means the world to me and the team here at CrossCountry Mortgage,...
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Amazing mortgage lenders helped me with my first duplex! Will forever be grateful. Thank you Susan & Christine for the excellent service. Will definitely be working with you in the future!
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
I'm absolutely thrilled to hear that you had such a positive experience with us, Yenecis! It was our pleasure to assist you with your first duplex. We look forward to the opportunity to work with you again in the future. Thank you so much for...
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Christine worked with my wife and I on the purchase of our new home. She was very professional, knowledgeable and personable. Christine made herself available to answer questions and explain the process from beginning to end. She was always...
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Reply from Christine Guddal-Sims
August 18th, 2024 01:40 PM
Hello Larry, Your kind words have really made my day! I'm thrilled to hear that you had such a positive experience working with me on your new home purchase. I always strive to make sure the process is clear and straightforward for my clients,...
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Christine was a pleasure to work with throughout the entire loan process. She always followed up promptly on questions or concerns. She was eager to explain the process to be sure we were happy with each step of our application. She was very...
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Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Thank you so much for your kind words, Larry. I'm thrilled to hear you had a pleasant experience with CrossCountry Mortgage, LLC and that I was able to assist you in the home buying process to your satisfaction. Your feedback is greatly appreciated...
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Christine Guddal-Sims has received a review with 5 star rating from Larry C
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
Thank you for your feedback, Larry! I'm thrilled to hear that you've had a positive experience with us at CrossCountry Mortgage, LLC. Your 5-star rating is greatly appreciated. If you have any more needs or questions in the future, don't hesitate...
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N/A since I represented the seller... She did respond to my phone call and email in a timely manner. Thank you Dennis Kraus
Reply from Christine Guddal-Sims
April 22nd, 2025 05:04 PM
I enjoyed working with you. Thanks for the great feedback.
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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.