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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
David Thornton has received a review with 4 star rating from Marcia L
Everything went very smooth
Reply from David Thornton
May 4th, 2026 08:09 PM
Thank you for taking your time to give a review. We appreciate your feedback and always expect a smooth easy transaction.
David is awesome and we knew exactly what to expect and how the next step would go the entire process.We closed on time and David was there to make sure and protect our interest.I highly recommend his services and professionalism he looks after...
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From the first phone conversation David got everything going and within couple hours we started the paperwork process and was very smooth transaction and David protected my interest as a buyer all the way to closing.We couldn't be happier for...
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Reply from David Thornton
May 1st, 2026 03:51 PM
Harry,
It was a pleasure working with you and Marcia! You bought an awesome home, enjoy.
Thank You David and lower Mortage team was a very smooth transaction and they were always picking up phone answering emails and kept me up to date on where things where at and what the next step would be.
Reply from Owner
April 30th, 2026 11:41 PM
Thank you Harry. You were awesome to work with as well!
Dave was so great to work with. Not only is he friendly and personable, but from day 1 of our home buying journey he was so helpful, always available to answer any questions and kept us updated throughout the loan process. We're so grateful...
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Reply from Owner
April 30th, 2026 11:43 PM
Thank you! Had a great time getting to know you both during the process. The pleasure was all mine!
I’ve worked with David exclusively with all my buyers for over 10 years. Everyone always raves about how diligent, hard working and comunitive he is. He’s taken several of my clients with tough credit that no one else would work with and though...
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Reply from Owner
April 25th, 2026 10:34 AM
Thank you for the review. It’s great to hear feedback from one of Central Florida’s top realtors.
From our first meeting at the LOWER office to our final meeting at the title office, David Thornton and his team provided clear communication step by step on our home mortgage process. It could not have gone better. Thank you, David!
Reply from Owner
April 25th, 2026 10:37 AM
Dyal. Thank you for the review. I wanted to personally thank you for trusting us with your mortgage. We know how stressful the mortgage process can be so we want to insure you fully understand the process. You were a pleasure to work with as...
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Communication, folliw up, and a great support team
Reply from David Thornton
April 24th, 2026 08:36 PM
I appreciate your kind words, Karene. I'm pleased to know that you valued the communication, follow-up, and support from the team. If there's anything more I can do for you, please don't hesitate to let me know.
David is a true professional, and a pleasure to work with. I highly recommend him.
Reply from Owner
April 16th, 2026 03:54 PM
Thank you Chuck! It was a pleasure working with you as well.
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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.