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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Reviews from Web
6 he never left me hanging he always return my calls in a reasonable time he explained everything what was going to happen how its going to happen he was always looking for different options and he would explain them so I could understand them...
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Josh was very informative, always had an answer to whatever question I had and was overall just amazing through the whole financing process. This is my second home I have purchased I have to say he made it a very pleasant experience for me....
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Very great service, friendly, and helpful!!
Josh provided a list of items I needed to gather. If I had questions, he answered them promptly or guided me in the direction I needed to go to findcthe answers.
The personal service
Josh had great communication with me during the entire process. He explained things to me, sometimes more than once when I was confused and he always made sure I was completely clear with the entire process before we moved forward to the next...
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Easy app to use for all the information needed.
Josh Colvin with Highlands Mortgage was very professional and kept my husband and I inform on the process every step of the way. We appreciate him getting us the best possible rate and his willingness to work with us.
His attention and the time he made for us made it seem like we were his only client. That means a lot because I am sure he has been extremely busy. He stayed in touch with us during the entire process, keeping us in the loop and letting us...
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To be blunt, Josh was awesome. We decided to go with Jeff and Highlands Mortgage after he came to our home we were putting on the market. He explained what he would do to help us in our search for our forever home. He was there every step of...
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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.