Joanie Neal
Branch Manager
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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closed
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9 AM to 5 PM
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Reviews from Web
She made the process as easy as possible! She worked with us to make sure we got what we needed! Her and her daughter were wonderful to work with.
NA everything was great
Very nice and friendly
Reply from Joanie Neal
July 10th, 2026 08:28 PM
Paul, I'm glad you found the experience nice and friendly. Thank you for your kind words!
All was well
Joanie's constant contact and communication made the purchase of our new home easy.
Reply from Joanie Neal
June 23rd, 2026 02:23 PM
Travis, I'm pleased to hear that my communication helped make your home purchase easy. Thank you for sharing your positive experience!
Amazing communication. Made me feel like family!
Reply from Joanie Neal
June 16th, 2026 01:03 PM
Peyton, I appreciate your kind words about the communication. I'm glad I could make you feel like family during the process!
Joanie is amazing and helped me a lot with everything
Reply from Joanie Neal
June 15th, 2026 01:28 PM
Jesse, I'm grateful for your kind words and happy to hear that I was able to help you with everything. Thank you for sharing your positive experience!
Joanie was extremely helpful, and knowledgeable theoughout the entire home buying process. She helped us prepare, went over our options, and answered any questions we had. Once we found our home, she made sure everyrhing was taken care of,...
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Reply from Joanie Neal
June 10th, 2026 03:36 PM
Garrett, I'm happy to hear that you found my assistance helpful and knowledgeable throughout your home buying journey. It's great to know that everything went smoothly and efficiently for you. Thank you for your kind words!
Joanie did a great job getting me approved for my hous!
Reply from Joanie Neal
June 8th, 2026 03:09 PM
Charles, I'm glad to hear that I was able to help you get approved for your house. Thank you for sharing your positive experience!
Joanie and her partners were caring, attentive and flexible with my change of home offers. Joanie was quick to respond with updates and needed steps to complete my home purchase.
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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
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 379483
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.