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
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
It was quick and easy to complete the home loan process. Thanks!
On top of everything
helpful and prompt
David and his team have been wonderful during this whole process, their communication is impeccable. Any question I had were answered professionally and promptly. They have provided with exceptional guidance. I would recommend them to any one...
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After a miserable and difficult experience with another lender, my agent, Lori, recommended David and his team to secure my mortgage. With only two weeks to closing, David, Kenny, and Kim got my clear to close in just SIX days. The entire team...
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Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you. You were awesome to work with.
Dave and his team has been amazing each time we have used them to obtain a home load. Highly recommended because of their excellent communication not only with the client, but the realtors and title companies.
Great process and excellent communication
We loved working with David he made everything easy to understand and was happy to answer our questions. We appreciated his quick communication and guidance/advice throughout the process.
Very knowledgeable, flexible, helpful to get complex loan complete on time.
Very great communication what we didn’t understand they explained got the job done and quickly thank you for everything
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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.