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
Knowledgeable, pleasant, very friendly
Friendly, updates were very timely and like the videos with each milestone change the help to explain the step you we going into...
Dave was experienced, fast to answer my questions and amicable throughout my home buying experience.
Dave was great. He answered questions every step of the way and was there at closing to make sure everything went smooth.
Thanks!
Could not have got our deal done with out Dave....period. In this climate of government regulation and last minute requests, having a broker like Dave watching your back is invaluable. Thank you again for all your help and hard work.
We had extreme difficulty in receiving texts and emails. Overwhelmed by required documents. We had too much time between the accepted offer and closing.
excellent David Thornton at Element Funding was a pleasure to work with. He was very knowageable and prompt with replies and call backs. He kept me informed at all steps of the process and I highly recommend him and Element Funding
professional and knowageable. Prompt with reply to questions and concerns
Started with Dave pointing me in the right direction to get my credit up, followed by consistent reassurance that we would get it done. Got the results we hoped for and was in my house in a flash.
Excellent communication
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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.