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
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Very knowledgeable and communicative, would work with them again. Will recommend to my friends and family.
David and his team where amazing. Very Knowledgeable about the entire mortgage process. My wife and I are very grateful to have a wonderful experience. Thank You :)
Team were supportive and efficient throughout the process. I could not have asked for better service, will recommend to friends and family. Thank you for your great work.
Love the knowledgeable staff at this office. They go above and beyond to make sure the transaction is smooth and as easy as possible.
Element Funding Winter Haven office provides great information to clients for mortgage needs and the local process is outstanding!
David In the Navy you would receive an ATTA BOY in every aspect of the mortgage adventure. Thats the hightest grade when landing on a carrier. You were patent with us in answering all our questions. You are number one in our speed dial for...
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Seamless with no hurdles. Very professional
I was a first time home buyer. David and Stacie were EXTREMELY helpful and patient with me.
David was wonderful!! He made buying our home an enjoyable process without all the stress and worries. Always easy to reach and quick to respond. Can't say enough about how well he treated us. Thanks David!
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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.