Nikkie Bickham
VP of Lending | NMLS# 755411
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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9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
She got us the best possible rate! We are so pleased. You're in great hands with Nikkie
We are an older couple and not savvy w technology at all. Nikkie was so patient with us! We must've asked her the same questions a hundred times. She never got short with us or seemed annoyed. That in and of itself made everything so pleasant....
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Reply from Nikkie Bickham
September 14th, 2026 07:13 PM
Edith, I'm truly grateful for your kind words. It's wonderful to hear that my patience and dedication made the home-buying process smoother and more enjoyable for you both. Helping you feel comfortable and secure was my priority, and I'm so...
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Nikki and her crew coached us through this experience and never made us feel dumb for asking a million questions. They guided us on insurance and more. I feel like we're set up for success here.
Reply from Nikkie Bickham
September 11th, 2026 02:23 PM
Clayton, I'm grateful to know that you felt supported and informed throughout the process. It's important to me that you never felt uneasy asking questions, and I'm pleased that we could guide you effectively. Wishing you continued success!
Nickkie Bickham was always available to answer our questions she listened carefully to what we was looking for, gave honest advice, and walked us through each step. Thank you for all your help.
Nikkie Bickham has received a review with 5 star rating from Joe M J
Nikkie was always quick to respond. She explained any questions clearly. Even after getting approved she kept working and got us a lower rate. And number one... Nikkie seems to be a genuinely nice person
Reply from Nikkie Bickham
September 9th, 2026 02:00 PM
Joe, I'm happy to hear that my responsiveness and clear explanations were helpful to you. It's great that we could secure a lower rate for you, and your kind words about my character mean a lot to me. Thank you for sharing your experience!
Nikki and her team were always there for us no matter when we needed them. She gave great advice and helped calm the stress that comes along with buying a home. We sincerely appreciate everything!!
Reply from Nikkie Bickham
September 7th, 2026 04:43 PM
Rhonda, I'm pleased to know that I could provide support and guidance during your home-buying journey. Your appreciation means a lot to me, and I'm grateful for the opportunity to have assisted you.
The level of communication that Nikkie and her team provided was unmatched. They literally make you feel like you are their only client, and truthfully, they fight for you like a trusted and protective family member! I've bought and sold several...
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Communication was beyond amazing, and I honestly felt like I had a protective family member in my corner fighting for me every step of the way.
Reply from Nikkie Bickham
September 3rd, 2026 03:10 PM
Robin, I'm glad to hear that you felt supported throughout the process. Your kind words are truly appreciated, and I'm thankful for the opportunity to assist you.
Always available when needed, always answered our questions and helped us through every step of our purchase process🙏❤️.
Reply from Nikkie Bickham
September 2nd, 2026 06:15 PM
Erika, I'm happy to know that I could be there for you throughout your purchase process. Your kind words mean a lot, and I'm thankful for the opportunity to assist you.
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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# 755411
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.