Josh Colvin
Sr. Loan Officer | NMLS# 1770163
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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Josh was a huge help every step of the way in buying my first home! We tried using another company at first and the whole experience was a disaster. A friend at work recommended using him and he made the whole process so easy! I highly recommend...
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Highly recommend! He was a huge help every step of the way on buying our first home!
Great communication throughout the process!! Got the loan done with other banks couldn’t.
Going the extra mile to get me the lowest interest rate possible
Josh took me from not having enough credit to home ownership by guiding me every step of the way very patiently and with the knowledge needed to be successful.
Great communication
Being first time home buyers, there were many steps. questions, and concerns. Josh was great from start to finish! He explained everything thoroughly and made sure we understood each step. He answered all of our questions and calmed our concerns....
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Josh kept us well informed through the entire process.
Working with Josh was great. He helped us every step of the way and answered all of our questions anytime we had any. He was gracious and thorough. Thank you for your help. We love our home.
Mr. Colvin is diligent, professional, hard working on behalf of his clients and very knowledgeable of the tools in his profession to close a deal.
Thank you Sir
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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# 1770163
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.