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
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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Joanie made the process SO seamless for us as first time home buyers. Can't say enough great things!
Reply from Joanie Neal
April 8th, 2026 03:26 PM
Taylor, it's wonderful to hear that your first home-buying experience felt seamless. I'm truly glad I could assist you through this important milestone. If you ever need anything further, please don't hesitate to reach out.
Everything was great!!! All of it!
Reply from Joanie Neal
April 1st, 2026 01:14 PM
Thank you for sharing this positive feedback, Shannon! I'm pleased to know that you had a great experience. If there's anything more I can assist with, please feel free to reach out.
Joanie was available to answer questions, and helpful to us every step of the way.
Reply from Joanie Neal
March 27th, 2026 01:19 PM
Robert, I appreciate your kind words. I'm glad to know I could be of assistance at each stage. Should you have any more questions down the line, don't hesitate to reach out.
Joanie was quick to respond and answer questions!
Reply from Joanie Neal
March 23rd, 2026 02:03 PM
I'm pleased to hear that you appreciated my responsiveness, Kimberly. It's always my goal to keep communication clear and efficient. If you have more questions in the future, feel free to reach out.
Highly recommend Joanie and her team for all of your financing needs. Since day one she has gone above and beyond to meet our needs. The communication has been amazing and we couldn't have picked anyone better to work with.
Reply from Joanie Stockard Neal
November 29th, 2021 09:49 PM
Thank you Kimberly Garton Jones! You guys have been a joy to work with! We are Clear to Close 2 weeks early! Wooohooo! Come on early Christmas!
Looking to purchase or refinance a home? Then you should make it a priority to call Joanie. She, along with her team at Acopia, are knowledgeable, communicative, and professional. She always goes above and beyond for my clients, and I know...
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Reply from Joanie Stockard Neal
November 23rd, 2021 06:58 PM
Caleb Schmittou. Thank you!
If you are in need of a home loan look no farther here is your girl. Being a realtor I have worked lot of deal with Joanie and all her staff the are fabulous
Reply from Joanie Stockard Neal
April 13th, 2021 12:36 AM
Lynn Rich Thank you! I love working with you as well! Always out for the clients best interest :)
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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.