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
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closed
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closed
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Reviews from Web
David, as well as the whole staff were very responsive to my needs and kept my informed as to the progress of my loan. They were very customer oriented, courteous, on time.
Dave was very help me when others said the couldn't..I wish I met Dave a year ago
Thanks Dave for always being there through the whole process.
Always informative and always available to answer any questions!!
The overall experience was great due to strong communication and work ethics with entire team
David kept us informed on every issue At hand. He was available when ever we needed to communicate with him and promptly got back to us when he could not answer his phone. He made the process go smoothly and had expert advice. Great person...
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David and his team guided us through the process professionally and made us feel like family. We didn't have to blindly research information. All of our questions were answered as needed. David was in constant communication and explained what...
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David made the loan process so easy. He quickly answered any questions we had and kept us up to date every step of the way.
Dave is very knowledgeable about the mortgage business & helped to explain things throughout the process. He & the team worked very fast to meet our short timeframe. We were very pleased with the entire experience.
At the end of the day through all the obstacles David made it happen and I was able to close on time on my house!
David knows what he 's doing very well. He went beyond our expectations.
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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.