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
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
she was very patient with us in understanding exactly what was happening and the numbers behind i.
Reply from Nikkie Bickham
September 1st, 2026 08:08 PM
James, I'm grateful to hear that my patience was helpful in guiding you through the process. Thank you for sharing your experience!
Very knowledgeable, great communicator and will lead you in the right direction
Reply from Owner
October 2nd, 2026 05:24 PM
Shawn, I appreciate your kind words about my communication skills and guidance. It's great to know that you felt well-informed and supported during your experience with our team.
Great communicator, very knowledgeable and will lead you in the right direction
Reply from Nikkie Bickham
September 1st, 2026 07:18 PM
Shawn, I'm glad to hear that you found my communication and knowledge helpful. I appreciate your feedback and am happy to have guided you in the right direction.
Nikkie was very professional and takes care of her Veteran clients. She was very responsive and made sure I understood the home buying process. She is amazing at what she does! I cannot recommend her enough!!!
Reply from Owner
October 2nd, 2026 05:25 PM
Courtney, I appreciate your kind words and am pleased to know that you felt well-supported in the home buying process with me. I'm glad that my responsiveness and care for Veteran clients made a positive impact. Thank you for your recommendation...
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Nikki was very respons responsive and she was there to make sure I understood the home buying process
Reply from Nikkie Bickham
August 31st, 2026 01:15 PM
Courtney, I'm pleased to hear that I could be responsive and help you understand the home-buying process. Thank you for sharing your experience!
The whole experience was great! Stayed in constant communication and answered any question I had promptly and directly. The team was very thorough and I will be recommending them from here on out!
Reply from Nikkie Bickham
August 11th, 2026 01:45 PM
Thank you so much, Ty, for taking the time to leave us such a great review! We truly enjoyed working with you and your family and are so glad you appreciated the communication throughout the process. We strive to make every experience thorough,...
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Nikkie Bickham has received a review with 5 star rating from KEVIN M
Reply from Owner
August 1st, 2026 01:43 PM
Thank you for the 5-star rating, Kevin! We appreciate your support and are glad you had a great experience. We look forward to serving you again soon.
The application was easy application was easy me through the experience and helped me gather all the information I needed. She was so pleasant to work with. I would highly recommend working with Nikkie for anyone looking for a mortgage loan....
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Reply from Nikkie Bickham
August 1st, 2026 04:55 PM
Thank you so much Kevin! It was our pleasure to work with you as well. You were so kind and always a joy to talk with ! Congratulations on the new home!
Great communication. Very helpful and responsive to all my questions. Highly recommended for your next home purchase!
Reply from Owner
July 29th, 2026 06:53 PM
Thank you so much, Michelle! We're thrilled our communication and responsiveness met your expectations. It was a pleasure helping with your home purchase, and we appreciate your recommendation. We look forward to assisting you or anyone you...
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Great communication. Very helpful and responsive to all my questions. Highly recommended foe your next home purchase!
Reply from Nikkie Bickham
July 30th, 2026 04:58 PM
Michelle, I appreciate your kind words about my communication and responsiveness. I'm grateful to have been able to assist you, and thank you for recommending me for future home purchases!
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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.