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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Everyone was very helpful and on quickly paced with assisting me in the purchase of my home
David made the process of getting a mortgage as easy as possible. If we ever need another we would use Element as long as David is involved. His staff is also top shelf. They all need a bonus or a raise. We felt as though they were our friends....
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David and employees in his office were always easily accessible and ready to help. Cheerful also. It was a pleasure.
All of the staff of Element Funding were kind and courteous when explaining the process. They kept me informed throughout and were clear on what I needed to do and when. Thank you.
Great communication, available immediately through text or call, being able to close in 19 days!!!
David Thornton always communicated with us and made us feel as if we were family. He answered all of our questions and we couldn’t be more pleased but to have him help us with the whole process. We are very grateful to have him.
Chivonne and Deborah were up front and transparent through out the process. I get stressed in these situations, but they both were telling me to relax, they had it. I couldn't be happier, and would tell anyone to reach out to you if they needed...
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open communication during the loan application process
We pushed to close our loan in about 30 days, including a holiday, and it HAPPENED! Things went very smoothly, and we had great support throughout the process from everyone in the group. Thanks for making our new home purchase a joyful experience....
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Everyone I spoke to was knowledgeable, helpful and efficient. They welcomed my questions and addressed all of my concerns quickly. Wonderful people!!!!!!
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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.