C
Cody Heard
Loan Officer
At Lower Mortgage 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 u...... Show More
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Fantastic service, very responsive and helpful
The knowledge, communication, and willingness to go above and beyond for us was different to see to what I would say is normal! Also, this team trust the other members to do their job to the fullest! which is good to see amongst coworkers
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Reply from Cody Heard
May 22nd, 2026 01:16 PM
Steven, I appreciate you noticing the efforts and teamwork. It's appreciated to hear that you found our approach different from the norm, and that the trust among the team was evident. Thank you for your kind words.
The communication and professionalism were Impressive. Someone was always available to answer questions and give guidance. Very friendly and polite each and every time I spoke to someone.
Reply from Cody Heard
May 18th, 2026 07:13 PM
Christopher, I'm happy to know that you were impressed with the communication and professionalism throughout your experience. It's nice to hear that you found us friendly and polite during each interaction. Your feedback is greatly valued.
It was the constant communication and guidance provided by Cody & Manette.
Despite the hurdles, they got me and my family into a wonderful new, to us, home.
Cody and his staff made this process great and easy to understand and gave great advice.
Reply from Cody Heard
May 5th, 2026 06:48 PM
Andrew, I'm grateful for your kind words. It's appreciated to hear that you found the process easy to understand and that the advice provided was helpful. If you have any further questions or need assistance, feel free to reach out.
How Fast and easy everything went givin the situation of the house being a foreclosure home.
Reply from Cody Heard
May 4th, 2026 08:13 PM
James, I'm glad to hear that the process was fast and easy for you, especially given the circumstances of dealing with a foreclosure home. If you have any further questions or need assistance, please don't hesitate to reach out.
Working with Cody Heard and the team at Lower Mortgage was an absolute pleasure. They were incredibly on top of every detail from start to finish. Communication was top-notch; I was kept in the loop throughout the entire process and never had...
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Reply from Cody Heard
May 4th, 2026 06:29 PM
Hadarah, I'm pleased to hear that working with me and the team at Lower was such a positive experience for you. It's great to know that our communication met your expectations and that everything went smoothly. Thank you for sharing your appreciated...
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Cody and his team worked amazing!
Reply from Cody Heard
May 4th, 2026 04:09 PM
Madelyn, I appreciate your kind words. I'm glad to hear that you had a positive experience with my team and me. If there's anything more I can assist you with, please let me know.
Cody and his team were incredibly helpful and made the entire transaction seamless. His knowledge of the industry really stood out and played a big role in getting everything completed smoothly and efficiently. I highly recommend Cody and his...
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Reply from Cody Heard
April 21st, 2026 03:24 PM
Jeremy, I'm grateful for your kind words and happy to know that my team's efforts made the transaction seamless for you. It's great to hear that my industry knowledge was beneficial in ensuring a smooth process. Thank you for recommending us,...
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About
At Lower Mortgage 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 Mortgage 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)
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.