Mitch Payne
Branch Manager
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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Mitch Payne has received a review with 5 star rating from Vivian K R
Reply from Mitch Payne
August 31st, 2026 04:12 PM
Vivian, thank you for the great rating! I appreciate your support and am pleased to have been able to assist you.
love how they kept me updated every step of the way! They were very competent!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Joseph, I'm grateful for your feedback. I'm happy to know that you felt well-informed throughout the process and found our team competent. Thank you for sharing your experience!
Mitch is just great to work with. Even when problems come up he keeps a level head and figures it out.
Working with Mitch was a great experience. Communication was excellent the entire way through, he answered every question I had quickly, and he clearly put in the effort to make sure my loan came together smoothly. I appreciated his persistence...
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Reply from Mitch Payne
September 30th, 2026 03:45 PM
Jose, thank you for your kind words. I'm glad to hear that you had a positive experience and that the communication met your expectations. It was my pleasure to assist you with your loan, and I'm grateful for your recommendation. Should you...
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Mitch Payne has received a review with 5 star rating from Maddie J
Reply from Mitch Payne
March 26th, 2026 05:31 PM
Thank you for the positive rating, Maddie. I appreciate your support.
Communication is big for me and they really exceeded in that!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Madison, I'm pleased to hear that the level of communication met your expectations. It's a critical aspect of the process, and I'm glad it made a positive impact on your experience. Should you have any questions or need further assistance,...
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Mitch Payne has received a review with 5 star rating from Annie A
Reply from Mitch Payne
March 23rd, 2026 02:25 PM
I appreciate you taking the time to rate your experience, Annie. If there's anything else I can assist with, feel free to reach out.
Mitch is great to work with and everyone we worked with is very responsive.
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Annie, I appreciate your feedback and am glad to hear you found the experience positive. Providing responsive service is important to me, and I'm pleased we were able to meet your expectations. Please feel free to reach out if you have any...
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He is a geat lender and super easy to work with!
This was my first experience with Mitch and his group. I must say it was smooth and transparent. My clients were very satisfied and it was great to work with such a diligent team!
Reply from Mitch Payne
March 10th, 2026 05:34 PM
Thank you, Les for the nice easy smooth transaction and thank you for your professionalism getting things done quickly
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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# 469169
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.