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 was very professional and got us a great deal.
Buying a house can be very stressful and David took my calls and answered my many questions helping me through the process.
Very easy process on both the front end and back.
It was a pleasure to work with Dave and his staff at The Mortgage Firm. Dave was responsive to all questions, dependable and reliable in accomplishing the task at hand. We appreciate you making this a smooth process and helping our family with...
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I would have been more comfortable if I would have received a phone call to follow up with the break down of the closing cost numbers. Without someone to go over them with me, I became very unsettled because I did not realize that 20% of my...
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Interactions and overall process towards purchase of condo was smooth and simple.
Any interruptions or hurdles were solved by David and purchase pricess continued easily.
His speed of approvals, caring personality, and knowledge of laws and processes. Thank you, David! We are definitely recommending you!
Mortgage Firm was awesome! They were patient and extremely professional. They made my loan experience virtually painless. I HIGHLY recommend them.
Mike was very unhelpful.
It was a pleasure to deal with Davd! He is well informed and thoughtful!.He was a great help to me, in order to get all paper work that needed to be in good order.I was impressed with his thoughtfulnesss, to. Bring the beautiful basket of goodies...
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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
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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.