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
Location & Business Hours
Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
Easy process and great communication. Thanks David!
I appreciate the level of patience and understanding that David has. I am a first time home buyer and I am sure I had lots of silly questions but they were all treated like they were extremely important and explained in a way that made sense....
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Dave and the entire team kept me informed of the progress toward closing.
David and Deborah were super friendly and helped me through the entire process, answering all my questions and finding solutions to any issues.
David Thornton has received a review with 5 star rating from Wendi A
Dave, Deborah and everybody else involved have been wonderful. I would definitely recommend the team to anyone looking for financing.
My credit union dropped the ball with my loan and I almost lost the house. He was able to quickly help me get a new loan and still make the closing date.
David Thornton has received a review with 5 star rating from Cody R
Very helpful throughout whole process!
Dave went above and beyond for my house loan. He made the deal happen when others couldn’t, and extremely quick. He was beyond a pleasure to deal with and would recommend him to anyone!
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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.