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
Really appreciated the work at the end to get it across the finish line given difficult circumstances. Within 24 hours it swung from seemingly going to fall through to Doug finding a good solution to enable the sale to go through. Really appreciate...
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Reply from Doug Jacobson
September 25th, 2026 05:00 PM
Geoffrey, I'm grateful for your kind words and pleased that I could assist in navigating those challenging circumstances. At Lower, we are committed to finding effective solutions, and I'm glad I could help finalize the sale successfully.
Thank you for everything!
Reply from Blair Mathewson
September 25th, 2026 06:41 PM
Anne, thank you for your kind words. I'm happy to hear that your experience with me and the team at Lower was positive.
Marco Garofalo has received a review with 5 star rating from Noah P
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Chad was available at all hours of the day and on weekends for any questions. He was amazingly knowledgeable about the VA process and how to protect us with our mortgage. he has been by far the best LO I've used through all my purchases.
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Reply from Chad Norris
September 24th, 2026 07:02 PM
Jake, thank you for sharing your experience. I'm pleased to know that my availability and knowledge about the VA process were beneficial in protecting you with your mortgage. It's great to hear that working with me at Lower has been a positive...
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Reily went above and beyond to make the home buying process as smooth as possible! Highly recommend !
Reply from Reily Kiser
September 17th, 2026 06:07 PM
Thank you! Congratulations on the new house!
I can't say enough good things about Miranda and her team! They're an exceptional group of people that truly love what they do and it's evident in every aspect of their professionalism! They made the home buying process so simple and walked...
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Reply from Owner
September 23rd, 2026 05:58 PM
Janeen, I'm so glad to hear that you and your fiancé had such a positive experience with my team and me at Lower. It's wonderful to know that we could make the home buying process simple for you and address all your questions. Your kind words...
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Lower Mortgage
Fred was super responsive throughout the process and easy to work with.
Fred was super quick to answer any questions we had and was very good at keeping us updated throughout the process.
Reply from Fred Holsman
September 24th, 2026 04:45 PM
William, I'm grateful for your feedback and happy that I could keep you informed and quickly address your questions. It was a pleasure to assist you with Lower.
Erik is extremely knowledgeable in all aspects of home mortgage and financial matters.His guidance throughout our HELOC process was outstanding and he was able to make the complicated process of the loan very simple for us.We are very satisfied...
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Erik's personal attention to our particular situation was extremely helpful. His expertise in these financial matters was outstanding. A true professional and he provided excellent guidance throughout the entire complicated process. We are...
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Reply from Erik Gross - Lower Mortgage (Hurst,...
September 17th, 2026 04:15 PM
It's always a pleasure working with you both....thanks for the kind review. Let me know if there is anything I can do to help in the future. Thanks.
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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.