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

Tues

9 AM to 5 PM(Open now)

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

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4.92

(238)

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5 Star

96%

4 Star

3 Star

2 Star

1 Star

The home buying process is daunting and ardous. I am thankfull Cheryl was able to help us.

Reply from Cheryl Baldwin

March 13th, 2026 01:28 AM

Adriel, I'm glad to hear that I could be of help during such a challenging process. If you have any further questions or need assistance down the road, please feel free to reach out. Thank you for your trust.

Cheryl and her team walk me through every detail of my experience made it that much easier I have always thanked her and a team from day one

Reply from Cheryl Baldwin

March 13th, 2026 01:28 AM

I'm grateful for your kind words, George. It's wonderful to know that my team and I could help guide you through the process with ease. Thank you for your continued appreciation and trust from the beginning. If you need any further assistance,...

Very easy process to upload all documents on app. Communication was clear and much needed with my busy schedule. Cheryl was very patient with me and explained questions/concerns.

Reply from Cheryl Baldwin

October 30th, 2025 04:31 PM

I'm glad to know that the process was straightforward for you and that the communication met your needs. I understand how challenging it can be to manage everything with a busy schedule, so I appreciate your acknowledgment of my patience and...

Mrs. Cheryl is BEST EVER! Made my first time buying a home a seamless experience once she got on board. I didn’t know what to expect and at first I was was confused and frustrated, all that went away with MRS. Cheryl

Ms. Cheryl is the BEST! This being my first time buying a home I was confused and frustrated, but when I was introduced to Me. Cheryl all frustration and confusion ceased, and the process went smooth from ther to close I'm greatly appreciative...

Reply from Cheryl Baldwin

October 30th, 2025 04:20 PM

It's great to hear that I was able to help make your first home buying experience smoother and more manageable than your previous lender. I'm pleased that the process became clearer for you along the way. Thank you for your kind words and trust...

Cheryl in incredibly knowledgeable and guided me through the entire process. I appreciated her ensuring I was following all of the "do's and dont's" to keep my application on track. Cheryl made her self available for all my questions and concern,...

Reply from Cheryl Euart

May 1st, 2025 12:07 PM

I'm delighted to hear that your experience was seamless and that I could assist you throughout the process. It was my pleasure to guide you and ensure everything stayed on track. Thank you for your kind words and for choosing to work with me...

Cheryl is very knowledgable and made sure to walk me through all the important pieces of the process.

Reply from Cheryl Euart

March 27th, 2025 04:04 PM

I'm glad to hear that I could assist you effectively and provide clear guidance through the process. Your feedback is appreciated, and I'm pleased to have helped you with your home financing needs.

I had the pleasure of working with Cheryl as my mortgage loan advisor during the purchase of my new home, and I couldn't be more impressed with her expertise and service. From the very beginning, Cheryl made the process seamless and stress-free....

Reply from Cheryl Euart

March 27th, 2025 04:05 PM

I'm thrilled to hear about your positive experience working with me as your mortgage loan advisor. It was my pleasure to assist you throughout the process and ensure that everything went smoothly. I'm glad I could help you achieve your financial...

She was excellent, making sure that I understand the process, and got me approved for the loan I was for. She knows her job.

Reply from Cheryl Euart

March 27th, 2025 04:05 PM

I'm thrilled to hear that you had a positive experience and that I was able to help you understand the process and secure your loan approval. Thank you for your kind words and trust in my expertise. If you have any further questions, feel free...

Very quick and easy process. The best!!

Reply from Cheryl Euart

November 19th, 2024 02:39 PM

Marco, I'm thrilled to hear that you found the process quick and easy! Your feedback means a lot to me and the entire team at Community Lending. We always strive to provide the best service to our customers. Thank you for the amazing 5-star...

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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.