Erica Hilla
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
Location & Business Hours
Wednesday
9:00 AM to 5:00 PM
Thursday
9:00 AM to 5:00 PM
Friday
9:00 AM to 5:00 PM
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Reviews from Web
Erica was professional, courteous, helpful and very easy to communicate with.
Reply from Erica Hilla
May 20th, 2026 01:07 PM
Florence, I appreciate your kind words. It's great to know that you found my communication and assistance helpful throughout the process. If there's anything else I can do for you, please don't hesitate to reach out.
Erica was a true professional!
Reply from Erica Hilla
May 15th, 2026 04:23 PM
Thank you, Jonathan. I'm grateful for your kind words and pleased to know you found my professionalism helpful. If there's anything more I can do for you, please let me know.
Erica is very professional, knowlegeable and responsive and assisted us through all the steps of the process.
Reply from Erica Hilla
May 11th, 2026 02:59 PM
Thank you for your kind words, Oliana. I'm happy to know that my professionalism and responsiveness helped guide you through each step of the process. If you ever need assistance again, please feel free to reach out.
Erica was so easy to work with! She was available while we were looking at homes and gave us several estimates. When we finally made an offer, she made herself available while on vacation. She was excellent, and we would highly recommend her...
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Reply from Erica Hilla
April 28th, 2026 08:14 PM
Thank you for the kind words, Kimberly. I'm glad I could assist you throughout your home search and provide the support you needed, even while on vacation. Your recommendation means a lot to me, and I'm happy to have been a part of your journey....
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Erica stayed in constant communication with my wife and I, even during her vacation. the entire process could not have been more smooth.
Reply from Erica Hilla
April 17th, 2026 07:01 PM
I'm pleased to hear that the communication met your expectations, Eddy. Staying connected throughout the process is important to me, and I'm glad it contributed to a smooth experience for you and your wife. Thank you for your kind words.
Erica took the time to explain all of our options and worked with us to achieve the right balance of rates, prices, and payments that we were most comfortable with.
Your scale doesn't offer enough options. My experience wasn't exactly GREAT, although the people I worked with, Erica and Susan, were/are. The problems experienced likely came from my being a less than financially ideal candidate. It was apparent...
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The only mortgage expert needed in this life!!
Reply from Erica Hilla
February 12th, 2026 04:14 PM
That's very kind of you, Christopher. I'm glad to know you feel confident in the service I provide. If you ever need further assistance or have any questions in the future, please don't hesitate to reach out. Thank you.
It was a pleasure working with Erica as she was always available with advice and options for financing our property including time on the weekends and after hours. Her friendly demeanor made you feel more like a friend than just another customer....
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Very responsive
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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.