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
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She really help me out the whole way and made sure I understood the whole process and tried to do what was best for me.
Reply from Angie Lewis
August 27th, 2026 01:32 PM
Cassandra, thank you for sharing your experience. I'm grateful I could assist you throughout the process and ensure everything was clear. If there's anything more I can do for you, please let me know.
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Lower, LLC
Doug (VP of Lending) will get you a great rate! Lou will be a call or text away to answer any questions you may have. Great team!
Doug and Lou are great to work with; however, getting your final #s less than 24hrs before closing is not ideal. Makes for a very anxious/unknown situation.
Reply from Douglas Bills
August 20th, 2026 01:29 PM
Thank you for your feedback, Kolby. I'm glad you found working with Lou and me to be great. I understand the concern about receiving final numbers close to closing and appreciate your patience in the process. Please feel free to reach out directly...
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The whole process was made easy and efficient. I didn't feel any pressure to make any decision, then once the decision was made the willingness to work with me and what I wanted, made me feel heard and not just like "another sale".
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The process was quick and easy.
Reply from Karylle Wike
August 20th, 2026 02:00 PM
Thank you, Darren! I'm glad to hear that you found the process quick and easy! Thank you for sharing your positive experience!
Bob Chamorro made the process for the loan easy. He was always on top of everything and would be readily available anytime I needed him. Very professional!
Reply from Bob Chamorro
August 27th, 2026 02:05 PM
Thank you, Michael, for your positive feedback. I'm glad to hear that I could make the loan process easy and be available whenever you needed assistance. Your kind words about my professionalism are much appreciated.
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Lower, LLC
If you need a loan I highly suggest Chris Guddal, she will get the job done and not waste anytime. I am very pleased with my experience.
Fast, efficient and responsive service. I felt Chris worked hard to get me the best loan type and rate for my personal scenario. The whole experience was seamless.
Reply from Christine Guddal-Sims
August 20th, 2026 12:52 PM
Thank you so much, Jen. I appreciate your trust in me through this process. I cannot wait to see the progress on your home. The journey will be worth it.
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Landed provided a wealth of experience and offered valuable advice and options when presenting them multiple avenues for pursuing a home loan. I greatly appreciated having him on my side.
Reply from Landon Kail
August 27th, 2026 04:31 PM
Christine, I'm grateful for your kind words and pleased to know that my experience and advice were valuable to you. Thank you for choosing me to be on your side during this process.
Terri Cagle - Team Acopia has received a review with 5 star rating from Shauntell H
Reply from Owner
August 24th, 2026 02:30 PM
Shauntell, thank you for the excellent rating. I'm glad to have been able to support you during your experience with us.
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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.