Cheryl Baldwin

Name: Lower, LLC
Address: 8191 College Pkwy Suite 203, Fort Myers, Florida, 33919
Telephone: +1-561-880-1204
Rating: 4.92

Mortgage Loan Advisor | NMLS# 1668094

Community Lending

4.92

(238)

Mortgage

Mortgage Loan Officer

Contact Info

(561) 880-1204

Fort Myers, FL

https://mortgagesbycheryl.com/

Location & Business Hours

Business Hours

Mon

9 AM to 5 PM

Tues

9 AM to 5 PM

Wed

9 AM to 5 PM

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4.92

(238)

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Secured a very competitive interest rate , wonderful customer service, great team

Reply from Cheryl Baldwin

June 19th, 2026 02:28 PM

Susan, I appreciate your feedback about securing a competitive interest rate and the wonderful customer service you experienced. I'm glad to hear that our team could meet your expectations. Congratulations on purchasing your soon to be forever...

Chery is a subject-matter expert on VA, conventional, and FHA loans. She is able to explain the information in layman's terms, which I think is super important when buying a house. I did not think the deal would work out, but she explored alternative...

Reply from Cheryl Baldwin

May 4th, 2026 02:12 PM

Jorden, I'm glad to hear that I could assist you in navigating the complexities of VA, conventional, and FHA loans. It's important to me that the information is clear and understandable. I'm happy we found a solution that worked for your situation....

Cheryl is AMAZING! We give her 10 out of 10! Five stars!!! She is incredibly knowledgeable and so very sweet! She took her time breaking down every step of the home buying process for us. Buying a home is stressful but you can make it 90% less...

Reply from Cheryl Baldwin

April 20th, 2026 07:16 PM

Johnathan, I'm grateful for your generous review. It's wonderful to hear that my guidance helped ease the stress of buying a home for you. I appreciate your kind words about my team and me, and I'm glad we could make the process clearer and...

My experience with Cheryl was extremely frustrating and ultimately cost me money. I was referred to her expecting professional guidance through the financing and assistance programs, but major issues were not identified until we were essentially...

Cheryl did a wonderful job keeping everyone informed and updated on the status of the file.

Reply from Cheryl Baldwin

August 13th, 2026 02:14 PM

Jamie, I'm grateful for your kind words about my efforts in keeping everyone informed and updated throughout the loan process. It's important to me that the process feels transparent and smooth for all involved.

Her patience, Cheryl explaining and guiding my client step by step, was the best and most satisfying experience that any first-time homeowner can have. Thanks Cheryl

Reply from Cheryl Baldwin

July 30th, 2026 01:39 PM

Mrs. Eva, I appreciate your kind words. I'm really glad to hear that the guidance and patience provided made the experience satisfying for your client. Thank you for trusting me to assist in their journey as a first-time homeowner in Palm Beach...

Great job on my loans god bless you for your services

Reply from Cheryl Baldwin

July 23rd, 2026 01:40 PM

William, I'm grateful for your kind words and am pleased to hear that you felt positively about the service our team provided. We are proud to be your trusted mortgage lender here in South Florida.

I don’t have enough words to speak on how amazing Cheryl was in the purchase of my home. I thought it was impossible, and it was a goal that I had wanted for several years. When I connected with Cheryl, she set reasonable expectations but was...

Reply from Cheryl Baldwin

July 23rd, 2026 01:39 PM

Victoria, I'm truly grateful for your kind words and for sharing your journey. It means a lot to know that I could support you in achieving your long-standing goal of purchasing a home. I'm glad I could provide patience and encouragement throughout...

knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping...

Reply from Cheryl Baldwin

July 10th, 2026 10:25 PM

Devin, I'm grateful for your kind words and thrilled that you had a positive experience. It's wonderful to know that I could assist with every step and provide the support needed during your journey as a first-time homebuyer here in South Florida....

Cheryl always does a great job!

Reply from Cheryl Baldwin

June 25th, 2026 12:41 PM

Thank you, Sam. I'm happy to know you feel that way! Your positive feedback means a lot, and I'm grateful for the opportunity to work with you and your homebuyers in Bonita Springs, FL.

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About

Cheryl Euart is dedicated to building strong relationships with consumers and real estate agents by finding the best solution for your individual situation. Cheryl will offer a variety of mortgage options, competitive pricing, and sound advice. If you are buying or refinancing a home, we provide personal contact with an experienced team of mortgage experts. To ensure exceptional service, we control the entire mortgage process from application through closing. Our Mortgage Loan Officers

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Down Payment Assistance

Conventional Home Loan

Medical Professional Mortgages

USDA Loans

DSCR Loans

Cash-Out Refinances

Home Equity Loan

Specialities

Conventional Loans

FHA, VA, USDA Loans

Jumbo/Portfolio Loan Products

Non-QM Home Loans

Home Equity Line of Credit

DSCR Loans

Bank Statement Loans

Asset Depletion Loans

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Positions

Lower, LLC - Mortgage Loan Advisor
Mar 1st, 2019 - Current
The Mortgage Firm - Mortgage Loan Advisor
Mar 1st, 2017 - Mar 1st, 2019

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Addresses and Serving Areas

Primary Serving Area

Other Serving Areas

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Year Started

2004

Time Zone

Eastern Standard Time (EST)

Licenses

NMLS: 1668094
Branch NMLS: 2385908

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.