Doug Richards
Loan Advisor
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
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Doug stayed in constant contact, he was patient and addressed all my concerns.
from Start to finish lower mortgage was always there , if I had a question they answered it was the best of there ability Doug is an outstanding person very knowledgeable and the experience was amazing looking forward to my forever home thanks...
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Reply from Doug Richards
April 22nd, 2026 06:04 PM
I'm pleased to know that you felt supported throughout the entire process, Brandon. It's great to hear that my knowledge was helpful and that your experience with Lower was positive. Wishing you all the best in your forever home!
Doug and Deanna were awesome to work with for the mortgage process. They kept us informed of every step, what was needed and when. Being organized with process and documents helped us in keeping on track to ensure a successful closing.
Reply from Doug Richards
April 14th, 2026 03:22 PM
I'm happy to hear that you found the mortgage process organized and well-managed, Rene. Working alongside Deanna to keep you informed and on track was a priority for us. If you have any further questions or need assistance in the future, please...
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He was great with working with me and making it happen even when there was a challenge he got the job done
Reply from Doug Richards
April 9th, 2026 03:24 PM
I'm grateful to hear that you felt supported through challenges, Noah. It's important to me to see things through and get the job done, no matter the obstacles. If there's anything else I can do for you, please don't hesitate to let me know....
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Doug and his team was on the job from day one they handled every process and step with a professional manet and was very detailed as what I needed to do I was very empress of how easy the hold process went.
Reply from Doug Richards
March 31st, 2026 02:10 PM
I'm glad to hear that the process felt easy for you, Carl. Ensuring that you were informed and comfortable with each step was a priority for me. If there's anything more you need or any questions arise, please feel free to reach out.
Doug was very attentive to which type of home and location I wanted to live. He would check the prices to ensure I was looking and staying within my budget. He made the process much easier for me.
Reply from Doug Richards
March 16th, 2026 08:27 PM
I'm pleased that I could assist you in finding the right home, Chandra. It's important to me that you felt supported throughout the process and that your budgetary needs were met. If any more questions arise or if you need further assistance,...
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It was an absolute pleasure working with Doug. He was very informative and quick with his responses. if you're looking for a top tier professional, I highly recommend him.
Reply from Doug Richards
March 10th, 2026 02:17 PM
I'm glad to hear that you had such a positive experience working with me, Claudette. I always strive to provide timely and informative responses, and it's rewarding to know that you felt well-supported. Thank you for the recommendation—if you...
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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
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 664159
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.