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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
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.
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.
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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.