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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
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!
Joanie was very helpful and knowledgeable. She guided us through every step of our loan process.
Reply from Joanie Neal
May 18th, 2026 02:11 PM
Jennifer, I'm glad to hear that you found my guidance helpful and knowledgeable throughout your loan process. It was a pleasure assisting you every step of the way. Thank you for sharing your experience!
Joanie truly made this the best possible exper for us. She always made herself available to answer questions, and did a great job at making us feel heard. I've already recommended people to her, and will continue to do so!
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Reply from Joanie Neal
May 11th, 2026 03:40 PM
Colson, I'm grateful to hear that you had an appreciated experience. It's great to know that my availability and attentiveness made a difference for you. Thank you for your recommendations, and I'm here whenever you need assistance!
Mrs. Joanie, was always open and honest with us. She always looked out for our best interest and would go above and beyond when things were uncertain and would advocate for us.
Reply from Joanie Neal
May 7th, 2026 06:05 PM
Casey, I'm happy to know that my honesty and dedication made a positive impact on your experience. Looking out for your best interest is always my priority. If you ever need further assistance, please feel free to reach out.
joanie Was amazing and super helpfu!
Reply from Joanie Neal
April 30th, 2026 08:18 PM
Jade, I'm pleased to hear you found my assistance helpful. Thank you for your kind words!
Joanie help me so much. always answered when I would call.always grwT to talk to .and would explain every detail, helping me understand all that was going on.during processing of my loan for my new place.thank you so much for makeing my new...
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Joanie was quick to respond and very helpful. She kept me informed and aware of what the situation was and what to expect next. I will always keep her in mind for any further business.
Reply from Joanie Neal
April 22nd, 2026 06:51 PM
Dustin, I appreciate your kind words. I'm glad I could keep you informed and assist you effectively. Please don't hesitate to reach out if you need anything in the future.
My wife handled everything but the paperwork was easy and a smooth transaction.
The communication was amazing and she answered all of my questions.
Reply from Joanie Neal
April 17th, 2026 04:58 PM
Karissa, I'm grateful for your positive feedback. It's great to know that the communication met your expectations and that I could assist with all your questions. If you need further assistance, I'm here to help.
Great communication! She made the process for us first time home buyers so easy! We could not recommend more!
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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.