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
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closed
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Reviews from Web
Very helpful surimg during the whole process
Level of communication during the process to keep things moving in the direction of a target close date.
Such a great team! They are so responsive, so quick and easy to work with. They made this remote closing so seamless!
Reply from Cody Heard
June 12th, 2026 07:59 PM
Chalysse, I'm grateful for your positive feedback about the team. It's nice to hear that the responsiveness and ease of working with us made your remote closing seamless. Thank you for sharing your experience!
All good no concern
Reply from Cody Heard
June 10th, 2026 01:11 PM
Kerby, I'm pleased to know that everything went well and you have no concerns. Thank you for your feedback!
Fantastic service, very responsive and helpful
Reply from Cody Heard
May 25th, 2026 05:47 PM
Jordyn, I appreciate your kind words about the service. I'm glad you found the responsiveness and assistance helpful. Thank you for your feedback!
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.
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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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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.