Kristen Clarke
Sales Manager | NMLS# 241186
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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Kristen is the best lender! She is kind, caring and patient and thorough throughout the whole process. Kristen does an excellent job of explaining in layman’s terms any questions you may have. She knows the business better than anyone around!...
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Kristin and her team at Academy Mortgage were wonderful to work with. There were absolutely no surprises, everything I signed at closing I had already seen before hand, was relayed to me in a timely manner, and everything was explained in detail....
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Kristen was very professional and and friendly to work with during this time. She was extremely helpful in explaining each step of the refinancing process. She was always very prompt in responding back to us any time we had a question.
If you need a mortgage, problem solved. Only one person to call, Kristen Clarke at Acadamy Mortgage. Even with our short window, she got the job done!
Kristen was very easy to work with. She kept us up to date every step of the way through a complicated process. We had so many issues with the seller and she helped navigate us through them and got us to closing on time.
Kristen met all of our needs, she was extremely thorough and wonderful to deal with! She worked really hard for us and we loved her! We would highly recommend her to friends and family!!!
Kristen Clarke is an amazing person, she explained and guided us from the beginning of our Mortgage process. Kristen would keep us updated on each step. Kristen would explain everything to us which helped us to understand the process and what...
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Kristen was excellent to work with. She made the whole process so easy and painless. Communicated everything in a timely manner. Would highly recommend her!!!
Kristen was very prompt and precise. She kept me updated throughout the whole process. A pleasure to work with!
Kristen Clarke is very good at her profession. She will go the extra mile and keeps you informed at every step of the journey. Our situation was a little tricky. Getting the right mortgage was not easy but she hung in there and got us exactly...
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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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Memberships
- NMLS
Addresses and Serving Areas
Primary Serving Area
Year Started
1997
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 241186
Hobbies
- Traveling
- Family
- Golf
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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.