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
Nikkie is awesome. she was such a big help. Quality! Quality! Quality!
Reply from Nikkie Bickham
September 28th, 2026 05:59 PM
Brandon, I appreciate your kind words and am pleased to know that you felt well-supported by my efforts at Lower. It's great to hear that you found the quality of service to be strong.
Nikkie and her team kept us informed, answering any questions we had and made closing day a breeze!
Reply from Nikkie Bickham
October 2nd, 2026 05:22 PM
Stacey, I'm pleased to hear that my team at Lower and I could keep you well-informed and make closing day smooth. It's good to know that we could answer all your questions along the way.
for
Lower, LLC
Murdock made the entire home loan process a great experience for us. He was extremely helpful, responsive, and supportive throughout every step, and he always took the time to answer our questions and make sure everything stayed on track. We...
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He is such a best perso.
Reply from Murdock Richard
September 19th, 2026 06:12 PM
Thank you. Working with you and Adeel was such a pleasure. Please reach out to me if you have any questions. Given your personalities, I anticipate that you will love Texas. Again, thank you.
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Her communication and helping answer questions and being very involved in taking care of our needs and requests.
Reply from Rhonda Holt
September 28th, 2026 08:20 PM
James, I'm pleased to know that my communication and involvement were helpful in addressing your needs and requests. Thank you for choosing Lower for your experience.
for
Lower, LLC
Was a great experience through Lower with The Cody Heard team. We had our obstacles where i thought we were going to lose the house due to a mix up, but Cody always had a solution and his team got the obstacles resolved very quickly to keep...
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Every time we felt discouraged or like it was another set back, Cody made things work and gave great advice to do certain steps to make everything work out for all of us. It was a great experience with the team, prolly the best experience with...
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Reply from Cody Heard
September 28th, 2026 01:32 PM
Chase, I'm pleased to hear that I could provide the guidance and support needed during challenging times. It's wonderful to know that your experience with the team at Lower was so positive and memorable. Thank you for sharing your thoughts.
for
Lower, LLC
Rayma walked us through each step, just like she would a family or friend. I truly felt listen to & for Never ever actually meeting her, I trusted her wholeheartedly!!
Rayma treated us like true friends, yet we never met her. So to me that says everything about her as a person and her as a lender. She treat you just like her family or friend.
Reply from Rayma McGehee
September 28th, 2026 02:52 PM
Travis, I'm glad to hear that you felt such a personal connection with me throughout the lending process. At Lower, I strive to treat everyone with the same care and respect as I would my own family and friends. Your feedback is truly valued....
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I was very unsure of pursuing the house purchase on my own but Phil provided great advice, reassurance every step of the way. Explained the whole transaction in detail
Reply from Phil Cunningham
September 28th, 2026 04:11 PM
Emily, I'm glad I could provide the advice and reassurance you needed throughout your house purchase. At Lower, we strive to ensure our clients feel confident in every step of the process. If you have any more questions, don't hesitate to reach...
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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.