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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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Deborah was very Supportive throughout the process , was always Positive and reassuring
Very professional and accommodating as this was a long distance transaction.
Very easy to work with, always having your best interest in mind, thanks to Deborah.
We had a great experience working with David, he made the entire process painless! We would definitely recommend Element Funding to anyone!
My experience as a whole including realtor, title company and Element Funding was not good and had a few issues. However thanks to Dave and Deborah at Element Funding, they made it happen and made the experience better. They were both very...
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David Thornton has received a review with 5 star rating from Art G
Mrs. Deborah and Dave are awesome, they wonderful people to work with. They made our dream come true of becoming home owners.
Thank everyone for your hard work.
Garcia Family
David Thornton has received a review with 5 star rating from Joseph P
Dave and Deborah very easy people to work with and excellent communicators.
Employees very helpful with the process.
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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.