Josh Toothman
Senior Loan Advisor
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
Josh was very helpful. He answered any questions I had and kept my wife and I updated on everything that was going on. It wasn't an easy process but the patience he displayed was very professional. We had a lot of hoops to jump through but...
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Reply from Josh Toothman
June 26th, 2026 03:18 PM
I'm grateful for your kind words, Marc. I'm pleased to have been able to assist you and your wife through the process and help you achieve savings on your mortgage payments. Your feedback about my patience and communication is truly valued.
Dear Josh,I wanted to personally thank you for all your incredible support during my loan process. When we ran into the issue with the wrong wiring number, you were right there, always on time, just a call away. Your knowledge and efficiency...
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Reply from Josh Toothman
May 27th, 2026 03:24 PM
Keith, I'm grateful for your kind words and pleased to hear that my support was helpful during your loan process. I’m glad I could assist with the issue and make a positive difference for you. Thank you for taking the time to share your experience!...
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Josh was very professional, personable, and was there for any and all questions I had without delay.
Reply from Josh Toothman
March 25th, 2026 03:23 PM
I'm grateful for your kind words, Nicholas. It's important to me to be accessible and responsive, so knowing that I could address your questions promptly is reassuring. Thank you for choosing to work with me, and if you ever need further assistance,...
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Everything went smoothly
Reply from Josh Toothman
March 25th, 2026 03:23 PM
I'm glad to hear everything went smoothly with your experience, Daniel. If you have any further questions or need assistance in the future, please don't hesitate to reach out.
Always staying in touch with us about everything and returning calls in a timely manner
I will say this. I don't do these reviews but Josh worked extremely hard for us going above and beyond what was expected of him. We have been through this process many times before and have never had such a wonderful and easy experience. The...
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Reply from Josh Toothman
March 9th, 2026 02:34 PM
I truly appreciate your thoughtful review, Dale. It means a lot to hear that I could make such a positive impact during your experience. I always aim to provide thorough communication and ensure any questions or concerns are addressed promptly,...
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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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112
/850
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Year Started
2026
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2620132
Hobbies
- Video Games
- Daytrading
- working out
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.