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
Very timely focused on process and getting best rate.
Good communication and closed the day we were supposed to.
This company was so easy to work with. They always did what they could to help me. I definitely would use them again.
Joshua and Thomas were very informative, kind and made the whole process of buying a home
seamless. I was always informed of what was going on. The step by step videos kept me informed and at ease as well.
We moved 2000 miles and it was made much easier with our purchase team. Josh and Thomas were amazing and help calm all my jitters.
Made it easy from a long distance.
Great support and guidance
Continued communication throughout the home buying process.
I was first time home buyer and Josh was my loan officer and he guide me all processes and get me loan approved
I was a first time home buyer, clueless about the process. Joshua explained all the details to me throughout the process. He is a very patient lender.
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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.