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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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Amazing communication. Made me feel like family!
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.
Joanie and Jana were absolutely AMAZING!!! They kept me informed, answered any questions I had- no matter what time of day it was! They were by my side every step of the way up to the closing table . It never felt "transactional" with them,...
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Reply from Joanie Neal
June 8th, 2026 02:46 PM
Kaylyn, I'm so pleased to hear that you felt supported and informed throughout the process. It means a lot to me that our relationship felt more personal and friendly rather than just transactional. Thank you for your kind words and for recommending...
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Answer every question i I had always text right back
Reply from Joanie Neal
June 5th, 2026 06:02 PM
Michael, I'm grateful to hear that my responses were timely and helpful. Thank you for sharing your experience!
Joinie and her team at Lower Mortgage are incredible at what they do. The moment I came into contact with Joinie she has been nothing but helpful and supportive. From helping us in the beginning stages to work on a budget, and discuss our credit...
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Joanie was great! She was very helpful and made the home buying process easy and less stressful.
Reply from Joanie Neal
June 1st, 2026 05:57 PM
Lindy, I'm pleased to hear that I could help make your home buying process easy and less stressful. Thank you for your kind words!
Honesty and communication made the process extremely easier. They were also very friendly and easy to work with.
Reply from Joanie Neal
May 22nd, 2026 03:21 PM
Jacob, I appreciate your kind words about the honesty and communication you experienced. I'm glad to hear that it made the process easier and that you found working with me friendly and easy. Thank you for sharing your feedback!
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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.