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Lower - Tampa, FL
Tampa, FL
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
Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Tim is very patient and understanding.
Reply from Tim Szumigala
September 18th, 2026 08:36 PM
Nathan, I'm happy to hear that you found me patient and understanding. It's important to me that your experience with Lower is positive and supportive.
Tim answered several questions for us and kept us apprised of necessary information that was needed in the fast moving closing
Reply from Tim Szumigala
September 16th, 2026 08:29 PM
Deborah, I'm pleased to hear that I could assist you by answering your questions and keeping you informed during the fast-moving closing process. Thank you for choosing Lower and for sharing your experience with me!
Tim and his team made it great!
Reply from Tim Szumigala
September 10th, 2026 02:19 PM
Marie, I'm glad to hear that you had a great experience with my team and me. Thank you for sharing your positive feedback!
There was a particular communication issue in regards to an important factor in the mortgage approval that created a delay in closing & considerable amount of stress for both the buyers, sellers and their realtors.
Mostly, his interest in doing his very best for me. It was altogether a most wonderful experience.
Reply from Tim Szumigala
August 28th, 2026 01:41 PM
Alice, I'm grateful for your kind words. It's nice to know that my dedication made your experience a positive one. Thank you for sharing this with me!
Great communication, simple step by step guidance through the process, and most of all, integrity. What was discussed, is exactly what happened, no changes, no surprises.
Reply from Tim Szumigala
August 28th, 2026 04:02 PM
Robert, I appreciate your thoughtful feedback. It's great to know that the communication and guidance met your expectations, and I'm pleased that everything went smoothly for you. Thank you for highlighting the integrity of our process.
I felt that you wanted to help me.
Reply from Tim Szumigala
August 25th, 2026 06:10 PM
Roger, I'm happy to know that you felt supported during our time working together. Thank you for sharing your experience!
Tim was wonderful and we appreciate all his efforts!!!
Reply from Tim Szumigala
August 18th, 2026 04:02 PM
Carlli, I'm happy to hear that you appreciated my efforts. Thank you for your kind words!
We had a great experience with our mortgage lender. Communication was excellent from start to finish, and they kept us on track throughout the entire process. Everything was explained in a way that was easy to understand, so we always knew...
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Reply from Tim Szumigala
August 11th, 2026 05:40 PM
Amy, I'm glad to hear that you had such a positive experience with your mortgage process. It's great to know that communication and guidance made everything smooth and stress-free for you. Thank you for your kind words and recommendation!
I cannot express how much of a pleasure it was to work with lower mortgage co. I am a 65 year old man that has not purchased any type of real estate in a long time. They aexplained everything that needed to be done for me to purchase a condo....
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Reply from Tim Szumigala
August 7th, 2026 07:19 PM
Matthew, I'm pleased to hear that working with Lower was a positive experience for you. It's great to know that the team was patient and supportive throughout your condo purchase. Your recommendation and kind words are truly appreciated.
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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
Time Zone
Eastern Standard Time (EST)
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.