

Cheryl Baldwin
Mortgage Loan Advisor | NMLS# 1668094

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 adv... Show More
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Cheryl got our cash out refi completed from start to finish in 13 days!! We can now begin some major home improvements that we’ve wanted to do since purchasing our home a few years ago. We can’t thank her enough. She was easy to get ahold of...
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I was referred to Cheryl by a family member. The best decision I could have ever made. Cheryl Euart and her team are absolutely outstanding. Cheryl Euart is very competent, knowledgeable, carries herself with integrity and truly cares for her...
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I was referred to Cheryl by a family member. The best decision I could have ever made. Cheryl Euart and her team are absolutely outstanding. Cheryl Euart is very competent, knowledgeable, carries herself with integrity and truly cares for her...
read more
Cheryl was always available whenever I call and ready to answer any questions and if she didn't know the answer she will try her best to get the information or referral me to the person who can better assist you with the information. She was...
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Cheryl Euart is excellent, she is extremely thorough and attentive and cares about her clients.
Cheryl Euart is excellent, she is extremely thorough and attentive and cares about her clients.
Cheryl is very Professional, efficient and extremely helpful.
Cheryl was wonderful to work with. We found her to be pleasant, professional and knowledgeable about all aspects of the mortgage process. I would highly recommend her to anyone seeking help with their mortgage needs.
Better break down of the loan estimate and estimates that are more realistic.
My communication with Cheryl was amazing. She was always there when we had a few bumps in the road,
Thank you and Happy holidays!!!
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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 AdvisorMar 1st, 2019 - Current
- The Mortgage Firm - Mortgage Loan AdvisorMar 1st, 2017 - Mar 1st, 2019
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
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.