Kevin Murphy
Loan Officer | NMLS# 1006712
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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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Kevin and Gina at Lower made it feel like you aren't just another number to them, but a cherished client and an actual human being. My interactions with both of them brought a very human and personalized experience from start to finish in my...
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Reply from Kevin Murphy
September 29th, 2026 04:47 PM
Brian, I appreciate your thoughtful feedback about your experience with Gina and me at Lower. I'm glad we could provide a personalized and human touch throughout your home buying and mortgage process. It's important to us that our clients feel...
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The process while stressful wasn't too overwhelming
The transition went smoothly
Reply from Kevin Murphy
September 11th, 2026 01:41 PM
Marilyn, I'm glad to hear that the transition went smoothly. Thank you for sharing your experience!
Prompt response, professional.
Reply from Kevin Murphy
September 8th, 2026 07:33 PM
Gertrudis, thank you for highlighting my promptness and professionalism. I'm grateful for your feedback and am here if you need any further assistance.
Both Kevin and his Assistant Gina were so kind, knowledgeable, patient and very helpful. It was a genuine pleasure working with them.
Reply from Kevin Murphy
August 26th, 2026 06:18 PM
Robert, I'm pleased to hear that you found working with Gina and me to be a genuine pleasure. Your kind words about our knowledge and patience mean a lot. If you need anything else, please feel free to reach out.
Always leot me up to date on the changes that were occurring and overall top notch communication!
Reply from Kevin Murphy
August 26th, 2026 04:04 PM
Anthony, I appreciate your feedback on my communication. I'm glad to know that keeping you updated was helpful throughout the process. If there's anything else you need, feel free to reach out.
Kevin was incredible. He always answered the phone and gave us answers to all our questions .
Reply from Kevin Murphy
July 20th, 2026 03:01 PM
Erin, I'm grateful for your kind words. It's great to know that I could be helpful by answering your calls and questions. If there's anything else you need, please don't hesitate to reach out.
I would use Kevin to purchase 10 house if I could afford it. He answered Or found the answer to every single question I had . Kevin was always pleasant and patient during times of 11th hr stress and I cant put into words how much that helped....
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Reply from Kevin Murphy
July 20th, 2026 03:16 PM
Robert, I appreciate your kind words and am so glad to have been able to assist you through the home purchase process. It's good to know that my efforts to find answers and manage stress were helpful to you. Thank you for trusting me with your...
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Responsiveness and knowledge along with good judgment call
Reply from Kevin Murphy
July 14th, 2026 08:06 PM
Vincent, thank you for recognizing my responsiveness and knowledge. I'm pleased to know that you valued the judgment calls I made during our interactions. If there's anything more I can assist you with, please let me know.
Kevin was an extremely hands on, informative, and caring loan officer. His enthusiasm, and positivity made the experience stress free. The closing of a home is an extremely difficult process, but Kevin made sure that we felt little of the pain...
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Reply from Kevin Murphy
July 13th, 2026 01:41 PM
Edwin, thank you for your kind words. I'm glad to hear that my approach helped make your home closing process more stress-free. It was a pleasure assisting you, and I appreciate your feedback. If there's anything more I can do for you, please...
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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# 1006712
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.