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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Element funding is a great company to deal with when looking to buy a home. Dave and his staff are knowledgeable, friendly and quickly respond to any questions or concerns you may have. It was a pleasure to work with them and would highly recommend...
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Incredibly smooth process and closed in 30 days!
You have a great supportive staff that were very helpful and knowledgeable and very responsive. Any questions we had were immediately answered. You and your staff guided us through all the paperwork maze with confidence and made it very comfortable....
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Dave and his associates were great in making our move from New Jersey to Florida and attaining our mortgage a very rewarding experience. I would highly recommend Element Funding.
You guys were so good I promise you I will be referring you to my friends
Very much interested in making sure you are keep up to date on the process.
Thanks for your hardwork.
The process was as painless as possible.
Have us quick to respond to emails & questions. His support staff is knowledgeable & professional .
Dave and his Great Staff always there for there quick response to all and any questions we had!!😋
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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.