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
Mitch Payne has received a review with 5 star rating from Kenneth R
Reply from Mitch Payne
October 21st, 2025 05:40 PM
Thank you, Mr. Roberts, it's always a pleasure working with you...
Mitch Payne has received a review with 5 star rating from A G U
Reply from Mitch Payne
October 21st, 2025 05:41 PM
Thank you for the Rating.. My team and i thank you!!
I have been working with Mitch for quite a few years now and he has consistently been my go-to for great loans and expert help when it comes to the loan process. He's helped me keep countless deals together because of how he handles client's...
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Reply from Mitch Payne
October 21st, 2025 05:43 PM
Jason, I appreciate you taking the time to share your experience. It's been a privilege working with you over the years, and I'm glad to have supported your deals successfully. Addressing client concerns is something I take seriously, and I'm...
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I’ve worked with Mitch Payne for over 10 years, and I can’t say enough great things about him! He’s helped a multitude of my clients over the years, and every single one of them has had a smooth, positive experience. Mitch is incredibly knowledgeable,...
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Reply from Mitch Payne
October 21st, 2025 05:43 PM
Tanika, thank you for sharing your kind thoughts. It's been a privilege collaborating with you over the years and assisting your clients. I always strive to ensure a smooth experience tailored to each client's needs, and I'm glad this has resonated...
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Mitch was incredibly responsive and caring throughout this process. He was a part of the family if you didn't know any better, that's how much he was involved .
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Kenneth, I appreciate your kind words. It's reassuring to know that my involvement made a meaningful impact during the process. If there's anything more I can do for you in the future, please don't hesitate to reach out.
Very thorough and great to work with!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Thank you, Julie, What a Beautiful Home in Blue Ridge
Mitch was very responsive and able to close our loan on a verybshirt time line .
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Sean, I appreciate your kind words. It was my pleasure to assist you with your loan process, and I'm glad we could meet your timeline. If there's anything more I can do for you, please feel free to reach out. Welcome to 30A
We were very pleased with the communication and responsiveness of the team
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Thank you and Welcome to 30A
Thank you for a smooth and streamless process!
Reply from Mitch Payne
September 30th, 2026 03:45 PM
Beverly, thank you for your kind review. I'm glad to hear that you found the process smooth and seamless. It was my pleasure to work with you, and if you ever need anything else, don't hesitate to get in touch.
Mitch was constantly engaged with us throughout the while process and kept us well informed. We always felt comfortable because of this fact. He understands the human element on top of the business element and balanced it accordingly. And his...
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Reply from Mitch Payne
September 30th, 2026 03:45 PM
Sean, thank you for sharing your experience with me. I'm pleased to hear that you felt comfortable and informed throughout the process. Understanding both the human and business aspects is important to me, and I'm glad it made a positive difference...
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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.