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
Stephen was great to work with. We really liked working with him throughout our first home buying process and he did explain a lot of things really clearly. Communication was great up until closing day. The only thing that would have made this...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:09 PM
Congratulations on your closing! Thank you for your feedback, it is appreciated. We love to help our clients with the home buying experience and so glad this worked out for you. You did an excellent job as well in the process, thank you! Enjoy...
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Thank you.
Reply from Bill Frederick Lund
July 16th, 2026 09:00 PM
Kaitlyn, thank you for your kind words. I'm glad I could assist you.
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Erick Martinez
Working with Erick Martinez was an outstanding experience from start to finish. He is extremely knowledgeable, responsive, and truly cares about finding the best solution for his clients. Erick accomplished in just two weeks what three other...
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Reply from Erick Martinez
July 16th, 2026 03:58 PM
Carlos, I'm grateful for your kind words and am pleased to hear that I could make the process smooth and effortless for you. It's rewarding to know that my dedication and approach met your expectations. Thank you for recommending me as a mortgage...
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I recently closed on my first home and I can’t say enough about the incredible team at Cabrales Mortgage… specifically Luis and Lisa. From day one, they made what I expected to be an overwhelming process feel completely manageable.Luis was...
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Reply from Owner
July 21st, 2026 11:36 PM
Congratulations on your new home! Thank you for choosing Cabrales Mortgage and for sharing your experience. Our team truly appreciates your trust, and we're so excited for this new chapter in your life. 🏠✨
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David was very quick and direct with answers, and was timely in getting back on anything that needed followed up on. Refinancing is an arduous process regardless, and David made it go as easily as possible.
Reply from David Slain
July 16th, 2026 02:03 PM
Susan, I appreciate your feedback and am happy to hear that I could make the refinancing process smoother for you. Your kind words about my responsiveness mean a lot to me.
Everyone was Professional
Reply from Christyanne Judge
July 15th, 2026 08:42 PM
Melvin, I'm glad you found the professionalism of everyone involved to be positive. If there's anything else I can assist you with, please feel free to reach out.
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She was fast responding back to our questions did everything in her power to get us through the process
Reply from Lee Medlin
July 15th, 2026 08:38 PM
Iris, I appreciate you highlighting my responsiveness and efforts in helping you through the process. If you have any more questions or need further assistance, please feel free to reach out to me.
Mackenzie makes the process so smooth for my clients. Her extensive knowledge and professionalism is top tier.
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Blake Herring
very helpful and answered any questions we had.
Reply from Blake Herring
July 15th, 2026 06:13 PM
Ryan, I'm pleased to know that I could be helpful and answer all your questions. Thank you for your kind words!
The process was easy and the communication was excellent
Reply from Shawn Christy
July 9th, 2026 02:53 PM
I'm pleased to hear that you found the process easy and appreciated the excellent communication, Bernadine. Thank you for sharing your positive experience!
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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.