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
Communication between all parties was amazing! All my questions and concerns were answered, and gave me confidence in all the decisions to be made.
Reply from Cody Heard
July 27th, 2026 02:35 PM
Megan, I'm grateful for your positive feedback on the communication throughout the process. It's great to know that all your questions and concerns were addressed, giving you confidence in your decisions. Thank you for sharing your experience!...
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Cody was great! He answered all of our questions and took time explaining anything we needed! i totally recommend him especially if it's your first time buying a home!
Great experience
Reply from Cody Heard
July 13th, 2026 06:04 PM
Dylan, I'm pleased to hear you had a great experience. Thank you for sharing your feedback!
Manette was great to jump on problems and bridge the gap of communication. Got me a good interest rate. The list goes on.
Very helpful surimg during the whole process
Reply from Cody Heard
June 29th, 2026 05:08 PM
Dillon, I'm glad to hear that you found the process very helpful. Thank you for your kind words!
Level of communication during the process to keep things moving in the direction of a target close date.
Reply from Cody Heard
June 23rd, 2026 01:35 PM
Scott, I appreciate your feedback on the level of communication during the process. I'm glad it helped keep everything on track towards your target close date. Thank you for taking the time to share your experience!
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.
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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.