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 guided us through the process which in my opinion was overwhelming, too complicated; redundant! Without his help, knowledge I could have quit the whole deal. However, I'm very pleased he was there for us the whole way!!! We close today....
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Reply from David Thornton
May 27th, 2026 02:18 PM
I'm grateful for your kind words, Charles. I'm pleased that I could assist you through the process and help make it more manageable. If there's anything you need after closing, please feel free to reach out.
David Thornton has received a review with 5 star rating from Jeff E
Reply from Owner
March 27th, 2026 10:46 PM
Thank you for your third mortgage. Welcome back to Florida 🐊
David knows his
Reply from David Thornton
April 2nd, 2026 05:14 PM
So do you! Thanks for allowing me to close your 4th mortgage with me!
Dave had great patience with us and was very resourceful in guiding us to various parts of the city and basically he listen to my concerns and made them right.
Reply from David Thornton
March 31st, 2026 04:58 PM
It's wonderful to hear that you felt well-supported, Isiah. I'm glad I could help address your concerns and offer guidance through various parts of the city. Your positive experience means a lot to me, and if there's anything else I can assist...
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David Thornton has received a review with 5 star rating from Joann M
Reply from Owner
March 27th, 2026 10:47 PM
Thank you. It was a pleasure working with you .
They replied very quickly to whatever we ask them and we closed early
Reply from David Thornton
March 30th, 2026 04:37 PM
I'm glad to hear that the responsiveness and efficiency made a positive impression on you, Joann. It's great to know the process went smoothly and you were able to close early. If there's anything else you need, feel free to reach out anytime....
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Everything that was asked by the survey was what made it great haha
Reply from David Thornton
March 30th, 2026 02:36 PM
It's good to know that everything you mentioned in the survey contributed to a great experience, Katelyn. I genuinely appreciate the perfect rating and your feedback. If there's anything else you need or additional insights you'd like to share,...
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David and his team made it an easy, seamless process even from a 100 mile difference! Communication is key in this ever changing, digital, AI newer version of our world, and having an informed, knowledgable, professional human to communicate...
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Reply from David Thornton
March 7th, 2026 03:21 PM
Thank you so much for the wonderful review. Our job is easy when we have great clients like you!!
From the very beginning, I was truly astonished at how effortlessly, affordably, and securely I could step into my new home thanks to David, Wendy, and their exceptional team. My satisfaction with this company and the entire home-buying journey...
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Reply from Owner
March 7th, 2026 03:22 PM
You were amazing to work with as well! We are so happy that we could get you into your new home. You truly deserve it!!
The friendly and helpful guidance David and his team gave us. Always patient with our questions.
Reply from David Thornton
February 23rd, 2026 08:05 PM
I appreciate your kind words about the assistance you received. It's rewarding to know that the guidance and patience during your experience were beneficial. Should you have any more questions or need further help, feel free to reach out. Thank...
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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.