Douglas Bills
VP of Lending | NMLS# 960282
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
I personally did not communicate much with Mr. Bills , my husband was very pleased with his professionalism ,in the final weeks of this process Mr. Bills again provided his skills and knowledge , we are Very Thankful for his approval to work...
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Reply from Douglas Bills
September 22nd, 2026 01:18 PM
Thank you for sharing your experience, Barbara. I'm pleased to hear that your husband was happy with my professionalism during the process. It's great to know that my skills and knowledge were helpful in your journey with Lower. If I can ever...
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It was a highly positive experience for me because Doug was consistently available. Regardless of the time of day, he always answered my calls. Additionally, he arranged to cover the cost of my appraisal, regardless of the amount. I truly appreciate...
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Reply from Douglas Bills
September 6th, 2026 02:56 PM
Thank you for your kind words, Koreena. I'm really glad that my availability and the support from my colleagues made a positive impact on your home purchasing experience. If you have any more questions or need further assistance, please feel...
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Joe Harris and the entire team are best in class. Truly felt valued and appreciated throughout the entire process.
Reply from Douglas Bills
August 31st, 2026 04:48 PM
I'm grateful for your kind words, Benjamin. It's wonderful to know that Joe Harris and the team made you feel valued and appreciated. If there's anything else you need, feel free to reach out.
Easy to work with. Responsive and takes input!
Reply from Douglas Bills
August 29th, 2026 07:02 PM
Thank you, Ryan. I'm happy to hear that you found me responsive and easy to work with. Your input is always valued and helps ensure a smooth process.
Doug was extremely knowledgeable, friendly and easy to talk to. He guided us through the whole process step by step with great detail and made everything very easy for us to understand. Doug was able to work with our unique situation of being...
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Reply from Douglas Bills
August 26th, 2026 12:55 PM
Thank you so much for your kind words, Jackie. It's rewarding to know that you had a wonderful experience, and your recommendation means a lot to me. If you have any questions or needs, please feel free to reach out.
Doug was kind considerate patience and understanding. I had a timeline & he went above & beyond to meet it. He & his team listen and payed attention. They made this experience simple and easy.
Reply from Douglas Bills
August 21st, 2026 12:28 PM
I'm grateful for your kind words, Charlotte. It's good to hear that my team and I were able to meet your timeline and make the experience simple for you. Providing attentive service is always a priority for us.
They were quick to respond to my questions.And I felt like they run a very tight ship.Things went quickly and smoothly.
Reply from Douglas Bills
August 20th, 2026 09:05 PM
Thank you for sharing your experience, Brian. I'm pleased to hear that my responsiveness and efficient process met your expectations. If you have any more questions in the future, feel free to reach out.
Doug and Lou are great to work with; however, getting your final #s less than 24hrs before closing is not ideal. Makes for a very anxious/unknown situation.
Reply from Douglas Bills
August 20th, 2026 01:29 PM
Thank you for your feedback, Kolby. I'm glad you found working with Lou and me to be great. I understand the concern about receiving final numbers close to closing and appreciate your patience in the process. Please feel free to reach out directly...
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Working with Doug was an outstanding experience from start to finish. I was in a difficult situation, and they remained patient, professional, and supportive throughout the entire process. They took the time to explain every step, answered...
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Reply from Douglas Bills
August 3rd, 2026 02:30 PM
I'm grateful for your kind words, Nikolas. It's great to know that my support and attention to detail made a positive difference in your home loan process. I appreciate your trust and recommendation, and I'm always here if you need further...
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Great service, very helpful and flexible with me being underway and wonderful communication
Reply from Douglas Bills
July 30th, 2026 12:35 PM
Thank you for sharing your experience, Monise. I'm happy that you found the service helpful and flexible, and I'm glad the communication met your expectations. If you have any more needs or questions, feel free to reach out.
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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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Memberships
- AARP
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 960282
Hobbies
- baseball
- Coach High level travel baseball and a local high school team
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.