David Thornton
Branch Manager | NMLS# 1515638
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
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Business Hours
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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David Thornton has received a review with 5 star rating from Danni A
Reply from Owner
November 1st, 2026 10:24 PM
Thank you so much! You were awesome to work with. So happy to help you get your 1st home!!!!
David Wendy and Maureen made this process wemless for me I am so grateful for their knowledge and support. A special thanks to Wendy who was there day and night like a friend reassruing edcating and encouraging along the way I am forevwr grateful....
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Excelent Service!
Reply from David Thornton
November 2nd, 2026 06:58 PM
James, I appreciate your positive feedback about the service you received at Lower. I'm glad to know that your experience was excellent.
Fast, efficient and easy to work with made the process smooth and non-stressful. Would recommend.
Reply from Owner
October 15th, 2026 04:33 PM
Kassie, thank you for trusting us with your mortgage. We appreciate your positive feedback!
Process was fast and organized only criticism was the time we locked in on the interest rate I felt we should have been given options to lock and/or float weeks before instead we locked in a Week before closing costing us almost a percent in...
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Reply from David Thornton
October 15th, 2026 04:35 PM
Kassie, thank you for your feedback. We will definitely look at our processes and try to be more proactive. Thanks again for your positive feedback!
I talked to Greg less; although, he and wendy and the team was very responsive and attentive to all my questions.
David & his team did a great job handling all our needs. Communication was strong and they were very fast.
Reply from David Thornton
September 18th, 2026 02:34 PM
Nicole, I'm pleased to hear that you had a positive experience with my team and me at Lower. It's great to know that our strong communication and quick responses met your needs effectively.
. Great communication
Reply from David Thornton
September 8th, 2026 06:58 PM
Joyce, I appreciate your kind words about the communication. It's good to know that you had a positive experience.
This is the second time we have used Dave’s assistance with purchasing the home. He goes above and beyond such a pleasure to work with him.
Reply from Owner
October 15th, 2026 04:37 PM
It was a pleasure helping you twice with your mortgage needs! You are awesome to work with as well!
is the second home we have purchased with the assistance of Dave. He goes above and beyond and an absolute pleasure to work with.
Reply from David Thornton
August 31st, 2026 03:42 PM
Reginal, I'm thankful for your kind words and am glad to have assisted you in purchasing your second home. It's great to know that you found working with me a pleasure. If there's anything else I can help with, please feel free to reach out....
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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
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Mortgage
Residential Mortgage
FHA Mortgage
Conventional Mortgage
VA Mortgage
USDA Mortgage
Primary, Secondary & Investment Homes
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Addresses and Serving Areas
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Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1515638
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.