Lower, LLC, Columbia, MD
Columbia, MD
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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Russell Carmichael has received a review with 5 star rating from Kyle L
Reply from Owner
September 3rd, 2026 07:58 PM
Thanks for your review. It was a pleasure working with you.
Russell and his folks worked with us the entire process and had the patience when close to the deadline and technical difficulties. I would recommend him to others.
Reply from Russell Carmichael
September 3rd, 2026 07:57 PM
Thank you for the kind review and recommendation! I’m glad we were able to work through everything and get you to the finish line. I really appreciate you trusting me and my team to help you through the process!
for
Lower, LLC
Had one of the best experiences of a life time highly recommend.
My experience was overall great Jacqueline did an awesome job breaking down terms that I did not understand. She is very professional and made me feel comfortable. I was excited to meet her in person and thank her for all her hard work.
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Reply from Jacqualine B Wolcott
September 2nd, 2026 01:12 AM
I cannot thank you enough for allowing me to help you! It makes me so happy to see it through to the next chapter for all of the people I help!
Jack was recommend to my husband and myself by our realtor. We were not disappointed on how dedicated Jack was during the entire process. Especially as first time home buyers! Being lost on understanding what documents were needed was not easy,...
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Chase was very knowledgeable and helped us get a great deal. He was very understanding during the whole proces.
Nikkie Bickham has received a review with 5 star rating from Joe M J
Reply from Owner
October 2nd, 2026 05:23 PM
Joe, thank you for giving me a 5-star rating. I'm happy to know that your experience with our team was positive.
Nikkie was always quick to respond. She explained any questions clearly. Even after getting approved she kept working and got us a lower rate. And number one... Nikkie seems to be a genuinely nice person
Reply from Nikkie Bickham
September 9th, 2026 02:00 PM
Joe, I'm happy to hear that my responsiveness and clear explanations were helpful to you. It's great that we could secure a lower rate for you, and your kind words about my character mean a lot to me. Thank you for sharing your experience!
for
Lower, LLC
I really enjoyed working with Abigail! She was great to work with, and it was the least stressful mortgage experience we've had.
Abigail was super easy to work with. She communicated clearly and was easily accessible!
Reply from Abigail Shields
September 1st, 2026 10:51 PM
Emily, I appreciate your kind words. I'm glad to hear that you found our communication clear and accessible. If you ever have more questions or need assistance, feel free to reach out. You were such a pleasure to work with!!
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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
Time Zone
Eastern Standard Time (EST)
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.