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
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Business Hours
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
It was a OK situation very stressful with being done at the time of year. We had to do it, but not Element’s fault. Thank you to everyone involved. It was well worth the stress.
David understands his stuff. They communicate well and follow through is fantastic.
David and his team were fantastic to work with.
Great place recommend it to anybody really take the time to work with u the perfect place to go if u are looking for a home loan
Great experience. David came to my house to pick up or sign documents so I didn’t have to drive to his office.
It was a great experience!
They were very knowledgeable about the home financing process and held my hand all the way to the end. I appreciate everything that they did for me and I would highly recommend them to family and friends. Thank you David and your fellow co-workers....
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Reply from David Thornton
May 5th, 2025 07:52 PM
Glad we could help. You were pretty awesome as well!
Very supportive
Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you!
Smooth, fast and amazing. Always available to help and answer any questions.
David Thornton got us started in a excellent manner! Then Kenneth took us to the next steps very good! Last was Kimberly also very good! All of these people were very helpful and friendly! They made this transaction very pleasant ! I would...
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Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you! We enjoyed helping you! TEAM WORK
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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
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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.