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
Great communication and patience throughout the entire process. Excellent service and availability. Processor Kim was very thorough, kind, and responsive.
David Thornton has received a review with 5 star rating from Kim D
He quickly responded to all my questions and concerns. His knowledge of the real estate industry and other real estate professionals - realtors, title companies, closing agents and builders in our area, helped keep my mind at ease.
David Thornton has received a review with 5 star rating from Angela P
David has been the backbone through our process. He took our concerns and made sure we we’re on track with everything. He has made sure our process was as smooth as it could be. I am fortunate I had a great team by my side. Thank you for making...
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His willingness to explain the whole mortgage process and the qualifications process . It was great experience .
David was very thoughtful and very professional. We will definitely use him again in the future
Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you! Enjoy your new home.
My experience with Roland victor was fantastic, he is a hard worker I would refer all my family and friends to him he is an amazing person.
Despite some VA speed bumps everything went smoothly.
Reply from David Thornton
May 5th, 2025 07:52 PM
Glad we could help you and your family
David Thornton has received a review with 5 star rating from Mike M
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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.