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
Ms. Terri was helpful and professional throughout my process. I would recommend her to first home buyers.
Reply from Owner
July 22nd, 2026 04:55 PM
Thank you so much for the awesome review!! I appreciate it very much!!
Ms. Terri was professional, courteous, and helpful throughout the entire process. She believed that we were going to get the deal done and we did. I would highly recommend her.
Reply from Terri Cagle - Team Acopia
July 22nd, 2026 04:55 PM
Thank you so much for the awesome review!! I appreciate it very much!!
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The Ruoff team was incredibly communicative, efficient, and detail-oriented throughout my buying experience. From application to closing, I could not have asked for a better experience as a first-time homebuyer! Thank you for everything!
Reply from Trey Howard
October 13th, 2026 06:19 PM
I'm thankful for your kind words, Brian. It's great to hear that the Ruoff team could provide such a positive experience during your first home purchase. If you ever need anything in the future, please don't hesitate to reach out.
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Michael has been great to work with. He has already helped us in our purchase of 2 rental properties and working on our 3rd. We love his advise and knowledge he shares with us. Thank you Michael
Reply from Michael Hull
July 24th, 2026 03:21 PM
Levi, I'm pleased to know that my advice and knowledge have been valuable to you in purchasing rental properties. Thank you for your kind words, and I look forward to continuing to assist with your current and future investments. If you need...
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Very detailed and time oriented.
Reply from Amelia Watts
July 24th, 2026 03:16 PM
Victor, I'm grateful for your feedback. It's good to know that my attention to detail and time management met your expectations. Thank you for sharing your experience!
Some important information was left off .I did not learn that my interest rate would be deciede until after the construction loan was to be modified to a real mortage.Maybe I did ask the right questions. This is my first time buying a manufactured...
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Reply from Cindy Hammond
August 14th, 2026 07:58 PM
Thank you Laura for feedback! I will work with my marketing department and create that for people going forward!
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Laura was so extremely helpful! She helped my wife and I navigate this very complicated process and made it super easy for us. She was on top of everything throughout the entire process. I would recommend her services any day!
Reply from Laura Kurtz
July 24th, 2026 02:55 PM
Gregory, I'm glad to hear that I was able to assist you and your wife in navigating the process. Making it easier for you both is what I aim for. Your recommendation is truly appreciated, and if you ever need further assistance, please feel...
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Absolutely loved this mortgage company. Karina was my first point of contact and her communication along with her team was amazing. I loved that every step was clearly explained and any questions I had was always answered. BEST mortgage company...
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Reply from Owner
July 21st, 2026 11:28 PM
Congratulations again on your new home Rebecca! We're so grateful you chose us to help you through this exciting milestone. Thank you for your trust and recommendation. It truly means the world to our team!
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Easy to work with
Reply from Greg Jones
July 24th, 2026 02:36 PM
Mike, I appreciate your feedback and I'm pleased to know you found it easy to work with me. If you ever need assistance or have any questions in the future, please don't hesitate to reach out.
At the start of my homebuying process, home ownership looked bleak. Sandy took time to crunch the numbers and get us a loan that secured our home! She was responsive when we needed her and always provided generally great service!
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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.