Erica Hilla - Lower Mortgage
Sr. Loan Officer | NMLS# 958132
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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9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Erica is the best! Always my go to for all my clients!
Erica had great patience and kept us up to date on each step of the process.
Erica is great to work with! we have worked with her over the years and she is a true professional! Very knowledgeable and a great communicator , always available to assist with any questions.
Reply from Erica Hilla
October 30th, 2026 08:10 PM
It's wonderful to hear that you've found my assistance valuable over the years, Rissa. At Lower, I strive to be knowledgeable and communicative, and I'm pleased you feel supported by my availability and professionalism.
Erica answered or returned every phone call immediately
Reply from Erica Hilla
October 27th, 2026 05:03 PM
I'm happy to hear that my responsiveness met your expectations, Norma. At Lower, ensuring timely communication is a priority for me.
Erica’s communication throughout the entire process was fantastic. She kept everyone updated, was always available to answer any questions I had, and was incredibly responsive and professional from start to finish. As the buyer’s agent, I really...
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Erica was a great communicator
Reply from Erica Hilla
September 22nd, 2026 06:31 PM
I'm glad to hear you found my communication helpful, Adam. At Lower, I aim to ensure a smooth and clear experience for everyone I work with.
Communication and partnership to agent, client, title etc.
Very prompt and efficient process and excellent communication skills.
Reply from Erica Hilla
September 17th, 2026 05:45 PM
I'm pleased to hear that you found the process prompt and efficient, Todd. At Lower, I strive to maintain excellent communication, and it's great to know that it met your expectations.
Erica is a key asset to my real estate business and my go-to referral partner. Client after client is blown away by her service. I’m long overdue on filling one of these out, but her consistency is unmatched. In an industry where guarantees...
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Erica has my full trust that she will deliver the best value that is right for me. her partnership is priceless and we cannot thank her enough once again.
Reply from Erica Hilla
August 31st, 2026 06:46 PM
Brian, I appreciate your trust and am grateful for your kind words. It's wonderful to know that our partnership is valuable to you. Thank you for allowing me to assist you once again.
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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
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 958132
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.