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
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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
Easy peasy!
Very friendly, professional, and quick. Made buying a house extremely easy and stress free.
Reply from Owner
June 23rd, 2026 03:27 AM
Thank you so much for the kind review, Bobbi. We’re thrilled to hear the process was friendly, professional, and stress free. It was a pleasure helping you buy your home, and we appreciate you trusting us. Please reach out anytime if you need...
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Nikkie Bickham has received a review with 5 star rating from Alex R
Reply from Owner
June 22nd, 2026 03:10 PM
Thanks for the 5-star rating, Alex! We really appreciate your support and are glad you had a great experience. We look forward to serving you again soon.
The communication throughout the process and answering any questions we had.
Nikkie and her team couldn’t have made the refinance of our second home any easier! They were fast, efficient, and went above and beyond just the aspects that affected this refinance. They’re knowledgeable in more than one state, which was...
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Reply from Owner
June 16th, 2026 03:02 PM
Thank you so much for your kind words, Katie. We're thrilled Nikkie and the team made your second-home refinance fast, efficient, and stress-free. It means a lot that our multi-state knowledge and responsiveness were helpful, and we appreciate...
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Nikkie and her team couldn’t have made the refinance of our second home any easier! They were fast, efficient, and went above and beyond just the aspects that affected this refinance. They’re knowledgeable in more than one state, which was...
read more
Reply from Nikkie Bickham
June 23rd, 2026 02:51 PM
Delia, I appreciate your wonderful feedback and recommendation. I'm glad to hear that my team and I could make the refinancing process smooth and efficient for you. We're always here to assist with any future needs across states.
Nikkie helped making a dream come true! I was unsure if it was the right time to buy a house, which Nikkie was aware of. She not only did she help me get into the right loan she helped come up with a plan moving forward! In less than a month...
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Thanks for the help
Nikkie Bickham has received a review with 5 star rating from Brian B
Reply from Owner
June 5th, 2026 01:12 PM
Brian, thank you so much for the 5-star rating! We appreciate your support and are glad you had a great experience. If there’s anything we can do for you in the future, please let us know — we look forward to serving you again.
Nikkie was great to work with during our home purchase. She stayed on top of everything, kept us informed throughout the process, and was always quick to answer questions when they came up. Buying a home comes with plenty of moving parts, but...
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Reply from Nikkie Bickham
June 12th, 2026 07:48 PM
Brian, I'm grateful for your kind words and for sharing your experience. It's wonderful to know that my communication and professionalism helped make your home buying process feel straightforward and stress-free. Thank you for recommending...
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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.