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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Reviews from Web
Nikkie essentially did the impossible. On December 5th, I listed our house for sale. 38 days later, we sold our house and closed on our new home. I had exactly no more than 38 days for both transactions to occur. Nikkie made light work of hard...
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Nikkie helped me with refinancing my home to buy a second property. She was extremely helpful and knowledgeable and doesn’t make promises she can’t keep. I highly recommend working with her!
Nikkie Bickham and her team does a wonderful for all of the clients I send to her team they works endlessly to get every buyer to the closing table and they go above and beyond each time. I also like that she puts an equal amount of care and...
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Reply from Owner
September 14th, 2022 03:12 AM
Thank you so much!! It was an HONOR to help you all!! ~ Nikkie
Nikki is an absolute blessing. She is a very helpful, intelligent, and trustworthy mortgage broker. She made my buying process easy and stress free. I completely recommend her and her team.
Reply from Nikkie Bickham
July 1st, 2022 03:44 AM
Thank you MACY!! You were such a joy to work with and we are so very proud of you!!
Nikkie is the best at what she does! She hustles and is there for you every step of the way.
Reply from Owner
February 4th, 2023 01:15 AM
Thanks Eric! Thanks for adding value to our mutual clients as well! You are always prompt and thoughtful!
Nikkie is the best! She is easy to work with and helps along the house buying journey. I was able to understand everything with her help as a first time buyer. And she did everything over the phone! I'd recommend her to anyone!
Reply from Nikkie Bickham
July 1st, 2022 03:45 AM
Thank you Amanda!!! You and James were such a pleasure!!
Nikkie is hands down the best to work with!! She is incredibly knowledgeable and was thorough in providing us information. Nikkie walked us through every step of the way with our loan, when we initially purchased our home and when we decided...
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Reply from Nikkie Bickham, Mortgage Lender NML...
August 1st, 2026 05:05 PM
Regina, thank you so much for the kind words. It was our pleasure to be trusted during this process for your family!
Nikkie stays on top of every step. She will go the extra mile to make sure you don’t have to worry about a thing.
Reply from Nikkie Bickham, Mortgage Lender NML...
August 1st, 2026 05:05 PM
Thank you Kenny! We are thankful that you chose our team to help !
Nikkie was so awesome to work with buying our first home! She was more then helpful and answered any questions we had! She made our process so smooth and we would do it all over again!
Reply from Nikkie Bickham, Mortgage Lender NML...
August 1st, 2026 05:06 PM
Emily, I'm grateful for your kind words and happy that your first home-buying experience was smooth. It was a pleasure assisting you, and I'm always here if you have more questions or need help in the future.
Nikkie was amazing to work with on our refinance. She made the process super easy, quick and worked around our crazy schedules. She was very upfront and honest and did exactly what she promised us ! We would highly recommend and will do business...
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Reply from Nikkie Bickham, Mortgage Lender NML...
August 1st, 2026 05:06 PM
Jessica, I'm pleased to hear that the refinance process went smoothly and fit well with your schedule. Your recommendation means a lot to me, and I'm grateful for your trust. I look forward to the opportunity to work with you and your family...
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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.