Nikki Benefield
Loan Originator| NMLS# 2693724
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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Nikki was highly responsive and was always there to help us with any questions we had. She went above and beyond for our family and we couldn't be more grateful!
Reply from Nikki Benefield
October 5th, 2026 05:02 PM
It was such an honor to work with your family! Thank you for putting your trust in me. I wish you many years of happiness in your new home!
Nikki was so patient, understanding and was just all around amazing. This was my first experience purchasing a home and she made it so simple and explained every small question I had! I have already referred her to a friend and I will continue...
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Reply from Nikki Benefield
September 30th, 2026 05:10 PM
Jessica, I'm glad to hear that I could make your first home purchase a smooth and simple experience. Your referrals mean a lot to me, and I appreciate your trust and kind words. Working with clients like you at Lower is truly rewarding.
Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and...
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Reply from Nikki Benefield
October 5th, 2026 05:03 PM
It was so much fun working with you. Thank you for trusting me. I wish you many years of happiness in your home to you and your family!
Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and...
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Reply from Nikki Benefield
June 22nd, 2026 06:28 PM
Lucas, I'm truly pleased to hear that I could make your first home buying experience smooth and enjoyable. I'm grateful for your kind words and glad I could assist with finding a comfortable interest rate and insurance package. It was wonderful...
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Nikki was very kind , thoughtful and always was available to answer questions for me and if there was anything she didn't know, she would get the answer for me.
Reply from Nikki Benefield
May 27th, 2026 01:26 PM
It was a pleasure working with you! I wish you and your family many years of happiness and memories in your home!!
Communication skills, personality, and helpfulness were all amazing
Reply from Nikki Benefield
May 27th, 2026 01:25 PM
It was a pleasure working with you, Bella! I am so happy for you!!
Nikki made my first time buying a home feel so manageable, and I truly appreciate that! She is extremely helpful and patient. i always felt certain and informed, every step of the way, and I could not be more grateful!
Reply from Nikki Benefield
April 21st, 2026 01:26 PM
Thank you, Destin! It was a pleasure working with you and I wish you many years of happiness in your home!
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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# 2693724
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.