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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closed
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David was a true professional. He kept us abreast of every step of the process. I would recommend him to all of my family and friends.
Dave was very professional and very Thorough throughout the entire process.HE CONSTANTLY KEPTUS ABREAST OF THE ENTIRE PROCEDURE.
Get a new underwriter . David and Sam did an excellent job. I bought and sold 8 different houses and this was worst experience I ever had.I must have had 8 different closing statements and each had different amounts plus the underwriter had...
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Thanks for the hard work.
Very quick responses, very professional, treated me like a human being not a number. This is my 3rd house I've purchased and it was way more organized and less stressful than the other companies I've used. Highly recommended.
The ability to explain the fees.
The staff actually doing their jobs. Kimberly specifically.
It was a pleasure working with David Thornton and his team. They pleasantly helped me through the loan process and they went above and beyond to make it a success within the expected time frame.
David Thornton has received a review with 5 star rating from Angel F
Very professional, polite and made this the easiest home purchase I’ve ever had. Highly recommended.
Timely, very informative and good advice.
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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.