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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
David was very communitive and on top of things
The service was great.
Everything went very quickly and smooth!
seamless process - made the experience great!
Dave was great. He guided us through every step of the process. He quickly answered all my questions in terms of understanding. He was easy to work with. I would recommend him to all my friends.
Our experience with David and the company was outstanding. Everything flowed well all the way to closing.
Communication between David and I was outstanding. He's very good at explaining what he's doing and whats goi going on. Step by step and easy to get ahold of. Thanks David Thornton
David made my purchase easy peasy. He helped us all the way through the closing and everything. I've never had that before. He goes out of the way to explain every little detail so you are sure to understand. Exceptional customer service!!!!!...
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"Great" is overstating my feelings but I felt that "Just OK" was inadequate. I am somewhere in-between. The main thing that was "Great" was the short time period in which the loan was processed. But we signed countless documents on-line then...
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Good 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.