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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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Marc gave great advice and guided me through the entire process.
Reply from Marc Creach
August 5th, 2026 07:06 PM
Steven, I appreciate your kind words about the guidance and advice I provided. It's wonderful to know that I could assist you throughout the process. If you have any further questions or need additional support, please don't hesitate to reach...
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Sandy was amazing! She was efficient, responsive, and always available throughout the entire process. She answered every question I had and provided knowledgeable guidance that helped keep the transaction moving smoothly. Sandy and her team...
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I had the pleasure of working with TJ recently on two transactions. TJ has ALWAYS been a great lender, well respected in our community, communicates to all parties involved in a timely manner and helps each client understand all their options....
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Reply from Owner
July 30th, 2026 02:34 PM
Thank you so much, Christina! Your kind words truly mean a lot, especially coming from someone I've known and worked with for so many years. I really enjoyed partnering with you on both transactions recently. Your professionalism, communication,...
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The attention to detail.
Reply from Michael Hull
August 5th, 2026 03:37 PM
Andrew, I appreciate your recognition of my attention to detail. It's important to me that every aspect of the process is handled with care. If there's anything more you need or any questions you have, please feel free to reach out.
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Cody is a very personable person. I felt like I was talking to a long time friend. He was always will to help with any question I had. We are very pleased with Cody and his team. If this happens again, Cody will be the first choice.
Reply from Cody Heard
August 5th, 2026 03:20 PM
Dwayne, I'm grateful for your kind words about our interactions. It's nice to know you felt like you were talking to a long-time friend and that I could assist with your questions. I'm thankful that you and your team are pleased, and I appreciate...
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Jeff was amazing made me feel like he had my best interest at heart.
Reply from Jeff Ingram
August 5th, 2026 03:12 PM
Thank you for your kind words, Austin. I'm pleased to know that you felt I had your best interests at heart. If there's anything else I can assist you with, please don't hesitate to reach out.
Sandy was always available to answer any questions I had
Fred is a true professional and very helpful. He is very responsive and made the process easy.
Reply from Fred Holsman
August 5th, 2026 02:06 PM
John, I appreciate your kind words and am glad to know you found the process easy. Your feedback on my responsiveness and professionalism means a lot to me. If there's anything more I can assist you with, please feel free to reach out.
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I was the listing agent on the deal and they provided great communication and updates throughout the transaction! Did a great job and had the deal closed on time!
Reply from Owner
July 30th, 2026 02:00 PM
Much appreciation for the kind words, Ryan! It was our pleasure to assist you and your clients...we would love to work together again in the future!
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Vito is hands-down one of the best loan officers I’ve ever worked with. From the first conversation he made the entire process clear, stress-free, and surprisingly smooth. He was always responsive, answered every question thoroughly, and went...
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Reply from Vito L Mirra
August 5th, 2026 01:14 PM
David, thank you so much for your wonderful feedback. I'm pleased to hear that you found the process clear and stress-free, and that I could assist you with finding the best options for your situation. It's great to know my knowledge and professionalism...
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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
Year Started
2014
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.