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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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
very helpful in many different ways
Reply from Cody Heard
March 31st, 2026 01:43 PM
It's wonderful to know that I was helpful to you in various ways, Norrell. If there's anything more I can assist with, please let me know.
Cody and his office are a pleasure to work with. There is continuous communication with updates on my loan and always quick to answer questions.
Reply from Cody Heard
March 30th, 2026 08:59 PM
I'm happy to hear that you found working with my office a pleasant experience, Aaron. Keeping you informed with continuous updates and being available to answer your questions is important to me. If anything else arises or if you need further...
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Effortles, fast, friendl, professional!
Reply from Cody Heard
March 30th, 2026 03:20 PM
It's great to hear about your positive experience, Kaemen. I'm glad I could assist in making the process effortless and swift for you. Should you have any questions or need further support, I'm here to help.
Cody's team did everything in their powers to make it as easy as possible. They gave great advice on every step and kept inform and up to date on how it was going.
Reply from Cody Heard
March 23rd, 2026 03:11 PM
I'm glad that you found the process easy with the support of my team, Chad. It's great to know that the advice and updates provided were helpful to you. If you have any more questions or need assistance in the future, please don't hesitate...
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Cody and his team made the entire process an absolute breeze. We greatly appreciated how efficient and professional everyone has been. We can't recommend a better team to have on your side. Thank y'all bunches!!!
Reply from Cody Heard
March 18th, 2026 05:48 PM
I'm pleased to know that you found the process seamless, Dallas. It's wonderful to hear that our team's efficiency and professionalism made such a positive impact. Thank you for your recommendation. If you ever need anything in the future,...
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Cody & his team are beyond words! I didn't realize buying a home could be so easy. I was always kept up to speed and all my questions were answered before I could ask them
Reply from Cody Heard
March 12th, 2026 01:05 PM
I'm grateful for your warm feedback, Bronwen. It's fantastic to hear that the home-buying process felt straightforward and that you felt informed throughout. If you think of any other questions or need further support, I'm always here to help....
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Cody and his team made the whole experince almost seamless with the constant communication and there knowledge of the industry .
Reply from Cody Heard
March 9th, 2026 02:39 PM
Your feedback means a lot to me, Colton. Ensuring a smooth process with consistent communication is always my goal, so I'm glad to hear it reflected in your experience. If you have any further questions or need assistance down the road, just...
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Cody did a great job working with me over an extended period of time.
Reply from Cody Heard
March 9th, 2026 01:35 PM
I appreciate your kind words, William. It's rewarding to know that my efforts in working with you over an extended period were valuable. If there's anything else you need or if you have more questions, please feel free to reach out.
Fantastic communication
Reply from Cody Heard
March 9th, 2026 05:27 PM
I appreciate the positive note on communication, John. Ensuring clear and effective communication is always a priority, and I'm glad it stood out during your experience. If there's anything else you need, feel free to get in touch.
The whole process. We can't thank yall enouph for how well the Heard Team explained the whole process step by step. And the straight forwardness that was great. With the heard team we felt like no question was a stupied question. Thank yall...
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Reply from Cody Heard
March 5th, 2026 07:17 PM
I'm really glad to hear that you felt supported throughout the entire process, Vicky. Clear communication and a straightforward approach are things I prioritize, so it's encouraging to know it made a difference for you. I'm pleased that the...
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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.