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
I am very busy and don’t have standard time off. However, it seemed I was able to communicate with David’s team at almost any time of the day or evening. Chivonne especially, was extremely attentive, responsive, and helpful throughout the process....
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David and your team are very professional , always answer questions , and helped from the beginning to the end. Thank you David and team for the hard work
Have worked with Roland @ Element Funding since the purchase of our first home in 2019. Couldn't have asked for a better company or loan officer! They're very knowledgeable and know how to treat people like family and not just another customer....
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This was a very smooth process and very fast, very good customer service
Dave was great from start to finish. He would always keep lines of communication open and give us all the advice / information we needed to make a great home purchase.
Seamless service kept informed throughout entire process
Clear and concise communication and excellent customer service
Dave and his team are awesome! We are loving our new house!
David and his team are very professional and we’re a pleasure to work with. We are enjoying our new house.
Good communication between all members of the loan team.
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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.