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
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Great job Nicole. Thanks for your help!
Reply from Nicole Munnerlyn
December 16th, 2025 01:50 PM
I’m so glad you had a great experience! Thank you for taking the time to leave a review—it means more than you know.
We recently had the pleasure of working with Nicole Munnerlyn at Lower.com, and I can’t say enough good things about the experience.This was our first time working with Nicole, and she came recommended by our builder. From day one, she was...
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Reply from Nicole Munnerlyn
December 16th, 2025 01:50 PM
Thank you so much for this incredibly thoughtful review! It truly means the world to me that you took the time to share your experience. I know buying a home—especially your first in a new state—can come with a lot of unknowns, so I’m really...
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Always helpful and professional!
Reply from Nicole Munnerlyn
April 22nd, 2024 10:36 AM
Thank you for your kind recommendation, Cheryl! Treating my borrowers with the highest level of respect is my number one goal. It was my pleasure to serve you.
It was a pleasure working with Nicole. The entire loan process has been seamless! I would recommend her (and Waterstone Mortgage) to anyone needing a loan.
Reply from Nicole Munnerlyn
August 22nd, 2023 10:48 AM
Thank you for taking the time to write this recommendation, Lisa! A fast and easy loan is not possible without the help of a knowledgeable, professional loan originator. I appreciate your feedback and hope you'll return to me and Waterstone...
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Nicole is straight forward from start to finish! I appreciated all the advice since moving is not easy, she made us feel confident in the process and we are ready to close, on time! Thank you Nicole and team.
Reply from Nicole Munnerlyn
August 22nd, 2023 10:45 AM
Thank you for your recommendation, Kristina! The team and I were thrilled we were able to provide you with a positive experience and were able to aid in a smooth close. We look forward to working with you again when the time to refinance or...
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She explained everything well, worked hard and fast behind the scenes so I didn’t have to worry, and made me feel comfortable the whole time.
She explained everything well, worked hard and fast behind the scenes so I didn’t have to worry, and made me feel comfortable the whole time.
This was the most incredible group of ladies I have had the pleasure to deal with. They went out of their way to help, explain, and make the process understandable and easy. I can't think of enough accolades to convey about these great Ladies....
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This was the most incredible group of ladies I have had the pleasure to deal with. They went out of their way to help, explain, and make the process understandable and easy. I can't think of enough accolades to convey about these great Ladies....
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Everyone worked well together and were able to answer any concerns I may have. The process was held very professionally and I was always made aware of any changes that may occur. The staff was awesome!
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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.