Nicole Munnerlyn
Producing Branch Manager | NMLS# 1987020
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
Location & Business Hours
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
I absolutely adore Nicole. Not only is she a highly respected mortgage professional, but she’s one of the sweetest, most genuine people you’ll find. She truly cares and that shows in the work she does. If you have the opportunity to work with...
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Reply from Owner
April 6th, 2026 02:22 PM
This means more than you know, thank you. Getting to work alongside you has been such a gift. You bring a level of heart, knowledge, and positivity that makes everyone around you better. I’m grateful for the way we support each other and grow...
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One of the brightest loan officers I’ve had the chance to work alongside. Nicole is generous with her time, grounded in integrity, and someone people naturally trust. On top of that, she’s fun, authentic, and just a great human to be around....
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Reply from Owner
April 6th, 2026 02:20 PM
That truly means a lot, thank you. I’m grateful to be part of a team where we sharpen each other and show up with the same commitment to doing things the right way. I appreciate your leadership, your trust, and the way you pour into the people...
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Responsivenes, assistance with selecting realtor for unrelated property, and just an overall pleasant experience.
Reply from Nicole Munnerlyn
May 14th, 2026 01:44 PM
Thank you! We are so glad that we could help with the home in Fl too. I hope y'all are all settled in the new home and enjoying this beautiful weather.
Nicole is a wonderful person and was a great help to our refinace. Looking forward to working with Nicole when we can refinance again>
Reply from Nicole Munnerlyn
March 16th, 2026 04:43 PM
I appreciate your kind words, Bruce. It’s wonderful to know that I could assist you with your refinance. When the time comes for another refinancing, please feel free to reach out. I'm here to help whenever you need it.
Nicole and her team from Lower made the process painless and very efficient. She's a pleasure to work with.
Reply from Nicole Munnerlyn
March 10th, 2026 02:14 PM
I'm glad to hear that your experience with me and my team at Lower was smooth and efficient, Laura. Making the process enjoyable for you is always my goal. If you have any further needs or questions, feel free to contact me anytime.
Nicole squared were amazingly easy to work with! They didnt call me with all the individual requests, they would consolidate and send me a checklist in an email! i aboslutely loved working with them
Reply from Nicole Munnerlyn
March 9th, 2026 07:51 PM
I'm pleased to know that you found the process with Nicole and I straightforward and enjoyable, Sarah. Understanding your time is valuable, we aim to keep communications concise and effective. If there's anything else I can assist you with,...
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Nicole and her team were on top of everything making sure nothing fell through the cracks. My personal situation may not have been the easiest to work with but she worked through amy possible hitches with ease. I have referred clients to her...
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Reply from Nicole Munnerlyn
May 14th, 2026 01:45 PM
Thank you Karl! Biggest compliment is when we get to do a realtors personal loan. We love working with you and truly value the friendship we have developed over the past 6 years.
Friendly service from the whole team !
Reply from Nicole Munnerlyn
August 3rd, 2026 01:48 PM
Thank you so much for your kind words! I'm so glad you had a great experience with our team. Providing friendly, responsive service is something we truly value, and we're grateful you trusted us to help with your home financing. Congratulations...
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Mostly good....that the costs were too high.
Nicole was very patient with us during the whole proces. When the pressure was on to close on time Nicole was right there to help with any issues and last minute adjustments. I would give her an A+.
Reply from Nicole Munnerlyn
August 3rd, 2026 01:44 PM
Thank you so much for your kind review! It was a pleasure working with you throughout the homebuying process. Every transaction has its moments, and I'm so glad I could help navigate the last-minute details to keep everything on track for a...
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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
VA Home Loan
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1987020
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.