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
Sat
closed
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Reviews from Web
David and his team took a personal interest and approach to helping my wife and I get our loan for our first home. These are great people serving others and doing what is right. I hate being treated like just another number or customer, and...
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David and the team went above and beyond for my wife and I. My wife got hit by a drunk driver 2 years ago and then we had some NICU trauma for 3 months with our baby but David and his team helped serve us like no one else could. Incredible...
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This is our sixth home purchase. It was by far the easiest mortgage to obtain from beginning to end. David was available to answer any questions we had. We were buying this home from out of state and it went so smoothly. We were able to close...
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Easy process. Great staff.
The whole home buying experience has changed since the last time we bought a home. We are not tech savvy, so what is easy for the younger generation to understand how to do, is not easy for us. Thanks to our realtor, Rob Rahter, who gave us...
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David Thornton has received a review with 5 star rating from Neil B
Flawless experience with a great team. Communication was excellent as well.
Easy and fast closing. Great team to work with!
We were able to close in 2 weeks. Exceptional communication and service.
Very helpful lots of communication between us and them when I had difficulty because I don’t have a computer they were able to talk me through what I needed to do and the information they needed
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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.