C
Cody Heard
Branch Manager | NMLS# 92001
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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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Fast and willing to help out
Cody took the time to explain things to me.
We were buying a house while living in another state. It was a difficult situation but Cody helped us through everything.
Every time we felt discouraged or like it was another set back, Cody made things work and gave great advice to do certain steps to make everything work out for all of us. It was a great experience with the team, prolly the best experience with...
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Reply from Cody Heard
September 28th, 2026 01:32 PM
Chase, I'm pleased to hear that I could provide the guidance and support needed during challenging times. It's wonderful to know that your experience with the team at Lower was so positive and memorable. Thank you for sharing your thoughts.
Cody was very helpful and knowledgeable. He was there for every step of the process. Great experience.
Reply from Cody Heard
September 16th, 2026 02:10 PM
John, I'm glad to hear that you had a great experience and found my assistance helpful and knowledgeable. Being there for every step of the process is something I strive for, and it's wonderful to know it made a difference. Thank you for choosing...
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The staff was 10/10 helpful. Everyone was very nice and was able to work with us through our situation. Highly recommend for all first time home owners!
Reply from Cody Heard
September 8th, 2026 03:21 PM
Toby, I'm grateful for your kind words about the staff. It's nice to hear that everyone was helpful and accommodating during your experience. Thank you for recommending us to first-time homeowners!
Communication
Reply from Cody Heard
August 31st, 2026 04:58 PM
Gentry, I appreciate your positive feedback about the communication. I'm glad to know it met your expectations.
They have been very professional through the whole process
Reply from Cody Heard
August 27th, 2026 04:59 PM
Gary, I'm pleased to hear that you found the process professional from start to finish. Your feedback is valued, and I'm glad I could assist you.
Cody's explanation and enthusiasm. His team was easy to get a hold of and their patience guiding us through the process.
Reply from Cody Heard
August 7th, 2026 07:43 PM
Timothy, I appreciate your kind words about my explanation and enthusiasm. It's good to know my team was accessible and patient in guiding you through the process. Thank you for sharing your experience with us!
Cody is a very personable person. I felt like I was talking to a long time friend. He was always will to help with any question I had. We are very pleased with Cody and his team. If this happens again, Cody will be the first choice.
Reply from Cody Heard
August 5th, 2026 03:20 PM
Dwayne, I'm grateful for your kind words about our interactions. It's nice to know you felt like you were talking to a long-time friend and that I could assist with your questions. I'm thankful that you and your team are pleased, and I appreciate...
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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# 92001
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.