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
You all were very easy to access for help and guidance throughout this entire process.
Reply from Terri Cagle - Team Acopia
August 22nd, 2026 07:40 PM
Thank you so much Shauntell!!
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Laura went above and beyond to help us with our mortgage and technical issues :)
Reply from Laura Kurtz
August 27th, 2026 03:54 PM
Vanesa, I'm grateful for your kind words. It's great to know that I could assist you with both your mortgage and technical issues. Thank you for sharing your positive experience!
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Lower, LLC
Josie and her team were super helpful and made this process very simple for me.
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The whole experience and everyone was so friendly love how everything went
Reply from Taylor Fruge
August 27th, 2026 02:56 PM
I'm pleased to hear that you had such a positive experience, Brian. It's wonderful to know that everything went smoothly for you. Thank you for sharing your kind words!
Very friendly and reliable team!!! Chris and his team always go an extra mile to make things happen, 🫶
Brianna is extremely patient, communicative, and takes the time to explain things very clearly and thoroughly. This was a very positive experience.
Reply from Brianna Floyd
August 27th, 2026 07:29 PM
Lindsey, I'm happy to know that you had such a positive experience. Thank you for your kind words about my patience and communication.
From start to finish (present at the closing table), Murdock got it done in style. We had a fast close and I am self employed, which has been difficult in the past with other loan officers.
Reply from Murdock Richard
August 19th, 2026 11:03 PM
Thanks for your comments. Your self-employment issue was not challenging. Your cooperation made the process simple. I can't take all of the credit. Again, thanks.
I have done 10 different transactions with Murdock over an almost 30 year period. He is smart, meticulous, positive, effective, ethical, loyal....Pick your positive adjective and you have Murdock Richard. I have never done a loan without Murdock...
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Reply from Murdock Richard
August 19th, 2026 11:10 PM
Wow Jake, I didn't quite expect such a response. I have been the one that has been blessed. In addition to your 10, your family has accounted almost for the same number. It wouldn't take many families like yours for me to be able sit back and...
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It was strictly a pleasure conducting business with Nick in our search to find funding for the purchase of a new home in the Atlanta Georgia area. Nick was very professional and personable, as well as very expedient with responses to phone...
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Reply from Owner
September 1st, 2026 04:25 PM
Verna, I'm truly grateful for your kind words and for choosing to work with me during your home buying journey in Atlanta. It's wonderful to know that you found my services professional and helpful. Thank you for recommending me to your family...
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Russell Carmichael has received a review with 5 star rating from Lorena
Reply from Owner
August 20th, 2026 08:46 PM
Thank you for taking the time to leave me a review. It was a pleasure helping you.
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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.