The Neal Team - Lower Mortgage
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Very professional, always on task , and very informative, with a wonderful personality to match.
Reply from Joanie Neal
November 6th, 2026 06:46 PM
Phillip, I'm grateful for your kind words about my professionalism and personality. At Lower, it's important to me to provide informative and efficient service.
Joanie made great it wasn't with our it's issues but none of which were her fault. The end result was what we ask wanted and that's the important part.
Reply from Joanie Neal
November 3rd, 2026 04:07 PM
David, I'm glad to hear that despite the challenges, we were able to achieve the result you wanted. At Lower, we always strive to ensure a positive outcome, and your satisfaction is very important to me.
Joanie went above and beyond to help our dream become a reality. This would not have been possible without her
Reply from Joanie Neal
November 3rd, 2026 05:13 PM
Sasha, I'm so pleased to know that I could help make your dream a reality. At Lower, providing such support is truly rewarding, and your kind words mean a lot to me.
Loved working with Joanie and Jana! Very thankful for their advice.
Reply from Joanie Neal
October 23rd, 2026 04:22 PM
Taylor, I'm pleased to hear that you loved working with Jana and me. Your appreciation for our advice means a lot, and it's great to know that we could assist you at Lower.
Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.
Reply from Joanie Neal
October 2nd, 2026 08:56 PM
Charles, I'm grateful for your kind words and recommendation. It's good to know that my straightforward communication helped you throughout the process. If you ever decide to refinance again, I'd be happy to assist through Lower.
Joanie worked very well with me throughout the entire process of getting a mortgage. She also sang me a song when I closed :)
Reply from Joanie Neal
September 16th, 2026 09:23 PM
Thank you Levi! Definitely have to include the Happy Day Song!
Excellent communication, seamless transaction! Highly recommend!
Reply from Joanie Neal
September 16th, 2026 09:23 PM
Thank you Brian!! :)
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!
1–10 of 41
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.