David Thornton
Branch Manager
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
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.
Reply from Owner
May 27th, 2026 02:16 PM
Bradley, thank you for trusting me with your 1st home purchase. You were awesome to work with as well!
Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.
Reply from David Thornton
May 27th, 2026 02:17 PM
Bradley, Thank you for your trusting us with your st home purchase! You were awesome to work with as well! So happy for you and your family.
Dave was great to work with. Great communication and always available when we had questions. He was very helpful in finding the best option for us to be able to purchase our home!
Reply from David Thornton
May 27th, 2026 02:18 PM
Cara, thank you for trusting me with your mortgage! Enjoyed working with you! Congratulations on your new home!!
Very understanding of me not knowing what to do
Reply from David Thornton
May 15th, 2026 01:33 PM
I'm happy to hear that my understanding was helpful, Karen. If there's anything else you need guidance on, please feel free to reach out.
David Thornton has received a review with 4 star rating from Marcia L
Everything went very smooth
Reply from David Thornton
May 4th, 2026 08:09 PM
Thank you for taking your time to give a review. We appreciate your feedback and always expect a smooth easy transaction.
David is awesome and we knew exactly what to expect and how the next step would go the entire process.We closed on time and David was there to make sure and protect our interest.I highly recommend his services and professionalism he looks after...
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From the first phone conversation David got everything going and within couple hours we started the paperwork process and was very smooth transaction and David protected my interest as a buyer all the way to closing.We couldn't be happier for...
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Reply from David Thornton
May 1st, 2026 03:51 PM
Harry,
It was a pleasure working with you and Marcia! You bought an awesome home, enjoy.
Thank You David and lower Mortage team was a very smooth transaction and they were always picking up phone answering emails and kept me up to date on where things where at and what the next step would be.
Reply from Owner
April 30th, 2026 11:41 PM
Thank you Harry. You were awesome to work with as well!
Dave was so great to work with. Not only is he friendly and personable, but from day 1 of our home buying journey he was so helpful, always available to answer any questions and kept us updated throughout the loan process. We're so grateful...
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Reply from Owner
April 30th, 2026 11:43 PM
Thank you! Had a great time getting to know you both during the process. The pleasure was all mine!
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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
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.