Nikkie Bickham
VP of Lending
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
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Our sale and purchase was smoth and completed without any difficulty at all. Very professional and helpful through the whole process.
Communication and explaining certain things was great. we were concerned when we got one Of our final papers to sign and the mortgage payments had went up, so we brought it up and it was fixed the next day. everything was done within a timely...
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Reply from Nikkie Bickham
May 5th, 2026 04:44 AM
Lauren, thank you so much for your kind words, we truly appreciate you taking the time to share your experience!I’m so glad you felt informed and prioritized throughout the process—that’s always our goal. When that payment question came up,...
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Great communication
Reply from Nikkie Bickham
May 4th, 2026 01:35 PM
Brady, I'm happy to hear that you appreciated the great communication. Thank you for your kind words, and if there's anything more I can assist you with, please feel free to reach out.
Their communication response time back to me was appreciated. Everything seemed to flow in a positive direction. I will definitely recommend this company to others and use them again in the future!
Reply from Nikkie Bickham
May 4th, 2026 05:05 PM
Katherine, I'm glad to know that you appreciated the communication response time and felt that everything flowed positively. Your recommendation means a lot to me, and I look forward to assisting you again in the future. Thank you for your...
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Process was easy, each step was thoroughly explained.
Reply from Nikkie Bickham
April 30th, 2026 02:13 PM
Nancy, I'm grateful to hear that you found the process easy and that each step was thoroughly explained. Your feedback is valued, and I'm pleased that you had a positive experience. If you have any further questions or need assistance, feel...
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Very fast and easy to get in touch with.
Reply from Nikkie Bickham
April 27th, 2026 03:03 PM
Casey, I'm pleased to hear that you found it fast and easy to get in touch with me. Thank you for your feedback, and if there's anything else I can assist you with, please let me know.
I initially contacted Nikkie in November 2025 to see what I needed to do to be able to buy a home. My credit score needed improvement, so she put me in contact with Eddie Johanson for credit repair. Eddie and I made a plan to get me where I...
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Reply from Nikkie Bickham
April 21st, 2026 03:27 PM
Melissa, I'm glad to hear that I could support you throughout your home-buying journey, even with the unexpected challenges along the way. It's important to me that you felt well-informed and prioritized. Your recommendation means a lot, and...
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Everyone went above and beyond to get this deal done. Every question was answered and explained very well. The communication was perfect.
Reply from Nikkie Bickham
April 14th, 2026 06:56 PM
Blake, I'm glad to hear that you felt all your questions were answered thoroughly and that the communication met your expectations. Going above and beyond for my clients is something I strive for, and it's appreciated to know it made a difference...
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Nikkie was great through the whole process! We appreciate her and her team so much!! Highly recommend her!
Reply from Nikkie Bickham
April 10th, 2026 04:58 PM
It's wonderful to hear that you had a positive experience, Royce. Supporting clients throughout the entire process is very important to me. Thank you for your kind recommendation—I truly appreciate it. If there's anything else you need, feel...
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Absolutely the BEST LENDER TO WORK WITH EVER!!!! She stays in communication with me throughout the entire process- I have enjoyed buying this property and can't wait to use her again!!!
Reply from Owner
March 19th, 2026 09:35 PM
Thank you, Bree, for the fantastic review and for choosing us. We're thrilled our lender's communication and support made your property purchase enjoyable, and we look forward to assisting you again on your next transaction. Your trust and...
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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
Central Standard Time (CST)
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.