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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Reply from Cody Heard
March 5th, 2026 03:41 PM
Thank you, David, for taking the time to leave a review. It’s great to know you had a positive experience. If you ever have any questions or need further assistance, I’m here to help.
Being kept informed during the process. Always able to speak to a representative. Always courteous, friendly, and helpful.
Reply from Cody Heard
March 5th, 2026 03:34 PM
I'm grateful for your review, Michael. Keeping you informed and ensuring accessibility to a representative are important aspects of my approach. I'm glad to hear that the team's courtesy and helpfulness stood out during your interactions. If...
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Kept us informed every step of the way. Very knowledgeable and professional. Overall experience was great.
Reply from Cody Heard
March 5th, 2026 02:18 PM
I appreciate your feedback, Kelly. It's important to me to keep everyone informed and provide professional guidance throughout the process. I'm glad to hear that your overall experience was positive. If there's anything else you need or any...
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Everyone that I worked with in Cody's team, including Cody, was awesome. They did an amazing job at making sure I was happy with what I got and always had time to answer any of my questions.
Reply from Cody Heard
March 5th, 2026 02:54 PM
Thank you, Jordan, for your kind words. It means a lot to know that my team and I were able to support you throughout the process. Ensuring you're happy and answering your questions are top priorities for me. If there's anything else you need,...
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Cody Heard and his team went above and beyond to get me financed with a very short window of time, and they helped me navigate several obstacles with diligence and expertise. I don't think that buying my house would have gone nearly as well...
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Reply from Cody Heard
March 5th, 2026 03:46 PM
I'm genuinely pleased to hear about your positive experience, Robert. It was a privilege to assist you through the home buying journey, especially within such a tight timeframe. Navigating obstacles is something I take seriously, and I'm glad...
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From start to finish was such smooth process! Very informative, and we felt supported the entire way.
Reply from Cody Heard
March 3rd, 2026 04:20 PM
Miranda, I'm grateful for your feedback, and I'm pleased to know the process was smooth for you. Being informative and supportive is always my goal. If there's ever anything else you need, please don't hesitate to contact me.
Personable communication
Reply from Cody Heard
March 3rd, 2026 05:21 PM
Thank you for highlighting the communication aspect, Clayton. I strive to ensure every conversation is personal and meaningful. If there's anything further you'd like to discuss or need assistance with, I'm here to help.
Cody and his team went above and beyond to make the process of finance my new home as easy as possible .
Reply from Cody Heard
March 2nd, 2026 05:12 PM
I appreciate you sharing your positive experience, Sean. It was my priority to make the financing process smooth for your new home. I'm glad to know it met your needs. If there's anything more I can do, feel free to reach out.
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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.