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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Reviews from Web
Clear communication!
Mitch was great to work with and we are thankful for his support during this process!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Lauren, I'm grateful for your kind words and appreciation. It was a pleasure to assist you through the process. If there's anything more I can help with, don't hesitate to get in touch.
Mitch and Ranesha both have the knowledge and expertise that we needed and were looking for in our mortgage refinance. They are both such a pleasure to work with and made the whole process pain free compared to companies we’ve work with in...
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Reply from Mitch Payne
February 24th, 2026 12:44 AM
Dawn, I'm glad the process was seamless for you. It's rewarding to know that Ranesha and I could provide the expertise you were seeking. Thank you for considering us for your future needs and for your recommendations. If there's anything else...
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Mitch and Ranesha nade the whole loan process so easy compared to every other company we've worked with. Both are so effi and knowledgeable and have the expertise and guidance we needed and were looking for!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Kathryn, I'm pleased to hear that you found the loan process straightforward. It’s great that Ranesha and I could provide the efficiency and expertise you were looking for. If there’s anything more you need or any questions you have in the...
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I'm glad he could make our somewhat unconventional loan happen (staying in our house while financing a new build), but it was excrusiatingly frustrating because we had no idea, after waiting an extremely long time for our permits (4 months)...
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Reply from Mitch Payne
September 30th, 2026 03:45 PM
I am truly sorry for your experience, though there were a lot of underlying factors that delayed the process I do feel like we let you down as a company. As a loan officer it all lays at my feet and I will learn from this experience. Kirk Was...
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Best lending experience I have had to date. Mitch is very organized, honest, resourceful and knowledgeable. After working with Mitch, you will find it difficult to consider working with anyone else. I highly recommend him and his team.
Reply from Mitch Payne
October 22nd, 2025 06:42 PM
Thank you for your thoughtful review, Shivani. I'm glad to hear that you had a positive experience and appreciate your kind words about my approach. Your recommendation means a lot to me. If you ever have more lending needs or questions, don't...
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Organized. Mitch stays ahead of things and makes the process very smooth. Best lending experience I've ever had.
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Thank you for the kind words. You know I always love working with ya....
Mitch's professionalism and prompt attention to my neeslds were outstanding!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
I will never forget SLINGING BEANS as long as I shall Live... Thank You as always well deserved congratulations...
Mitch and his team do an outstanding job of finding the best financing product for the type of real estate being purchased. We have now completed 4 transactions with Mitch Payne. We are looking forward to the 5th.
Reply from Mitch Payne
October 23rd, 2025 07:58 PM
Stephen, thank you for your ongoing trust and support. It's rewarding to know that my efforts have effectively met your needs across four transactions. I'm eager to assist you with the next one. If you have any questions or need further assistance,...
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Mitch Payne has received a review with 5 star rating from David K
Reply from Mitch Payne
October 23rd, 2025 07:59 PM
Thanks Keep Slinging them beans....
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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.