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
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closed
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9 AM to 5 PM(Open now)
Tues
9 AM to 5 PM
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Reviews from Web
Kristen is a very professional and knowledgeable lender. She guided me through the whole process every step of the way. Kristen was always available when I needed her, and always answered any of my questions promptly. I had to push back my...
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Kristen was such a helpful resource, especially since this was the first time purchasing a home! We knew very little and she took the time to ensure we knew exactly what everything meant. A week before settlement, we ended up having a small...
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Everything went smooth, and made the process very easy. Thanks a lot for all the work and working with my crazy schedule. Would definitely recommend to friends and family.
As a first-time home buyer with a Type A personality, the home buying process can be overwhelming. Kristen made the process for me and my husband so simple and laid back. She was available day and night for all of our questions (sometimes silly...
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Kristen was an absolute pleasure to work with! She was very knowledgable and informative each step of the way. She returned my phone calls and emails. Going above and beyond, I truly appreciate Kristen and Greentree Mortgage!
Kristen was extremely helpful to us when we obtained our mortgage. She walked us through all of the steps to make sure we had a clean application. We had no problems with the mortgage process and closing was on time. I really liked how Kristen...
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Kristen was very organized and kept me informed of any documents that she needed from me. She would always inform me if another member of her team would need to reach out to me for any reason. Kristen was very responsive and got back to me...
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I was a first time home buyer, and Kristen was so kind and patient, walked me through the process,explaining along the way, and always there when I had questions.
She was able to go the distance for me no matter what it was. She guided me thru and detailed each and every step so that there were no issues at closing. I thought she was very outstanding and professionally put together! She is the very package...
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Impressed is an understatement! Kristen was a dream to work with. Always answered my questions, no matter how many I had and got back to me quickly. She took the time to explain everything as it was all new to me. She helped find me not only...
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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.