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
Location & Business Hours
Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
He's always gone the extra mile for me and all my clients. We've succesfully closed over 100 deals in the last several years and he's never let me down. He's saved countless deals that were dead and revieved many that were lost to other lenders...
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By far the best lender to work with.
Dave is easy to talk with and is very kind. Trust is important when it comes to clients finances and Dave is certaimly trustworthy
David and his team were supportive in all areas of our transaction. Complete details were given and communication could not have been any better Making our home purchase a smooth process.
Reply from David Thornton
July 23rd, 2026 04:42 PM
Karene, I'm pleased to know that you found the support from my team and me helpful throughout your transaction. It's nice to hear that the detailed communication made your home purchase smooth. If there's anything else you need, please feel...
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David Thornton has received a review with 5 star rating from AMY K
Wendy and David were so supportive. They "carried" me over the finish line! I would refer this company to everyone!
Reply from David Thornton
July 7th, 2026 06:28 PM
Amy, I'm grateful for your kind words about the support Wendy and I provided. It’s wonderful to hear you’d recommend us to others. If there's anything more you need, please let me know.
Getting everything done in a timely manner, m even outside of normal business hours, to be at the closing, and working diligently at any changes that came up during the process really stood out to us
Reply from David Thornton
June 22nd, 2026 06:59 PM
Jeremy, I appreciate your kind words about my efforts to ensure everything was completed in a timely manner. I'm glad I could assist you, even outside of normal business hours, and accommodate any changes during the process. If there's anything...
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Thank you for making the process of buying our home so smooth. We appreciated the quick responses and communication throughout the entire process.
Reply from David Thornton
June 21st, 2026 08:53 PM
I'm glad to hear that you found the home buying process smooth, Brooke. Your appreciation for the quick responses and communication means a lot to me. If you have any more questions or need further assistance, I'm here to help.
Great communication.
Reply from David Thornton
June 21st, 2026 01:20 PM
Andrea, I appreciate your feedback on the communication. If there's anything else you need, feel free to reach out.
David locked in a great rate - he was on the ball
Reply from David Thornton
June 16th, 2026 04:00 PM
I'm grateful for your positive feedback, Terry. I'm pleased to know that you were happy with the rate I secured for you. If there's anything else you need, I'm here to help.
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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
Primary Serving Area
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.