Joanie Neal
Branch Manager | NMLS# 379483
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
Business Hours
Wed
9 AM to 5 PM(Open now)
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Joanie worked very well with me throughout the entire process of getting a mortgage. She also sang me a song when I closed :)
Excellent communication, seamless transaction! Highly recommend!
the level of service Joanie neal provided was satisfactory ! Her knowledge in the industry was the biggest help when it came down to make the best decision possible .
Reply from Joanie Neal
September 8th, 2026 05:55 PM
Thank you for your kind words!!
Help us with everytime when needed
Reply from Joanie Neal
September 8th, 2026 05:55 PM
Happy to help and hope you are enjoying your BEAUTIFUL home
Joanie Neal and this team is a great team and wonderful to work with
I would recommend her to anyone who wants to buy a
house
Reply from Joanie Neal
August 31st, 2026 05:14 PM
Rodney, I appreciate your recommendation and am pleased to know that you found working with my team and me to be a wonderful experience. Thank you for your kind words!
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.
Reply from Joanie Neal
September 8th, 2026 05:55 PM
We appreciate your kind words :) It was a pleasure to work with you!
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!
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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.