Lower - Winter Haven, FL
Winter Haven, 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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Wonderful!
David was always available for questions and provided answers as we went through the processed. He listened to us and helped us with the specific questions and situations we needed answered during the mortgage process.
David was extremely patient and knowledgeable in assisting us with our loan. Also, Caryl Schulman very helpful in assisting us. Would definitely recommend to my friends.
all where great
Easy and reliable team
Dave Thornton was extremely helpful
David was reliable, knowledgeable and personable.
Dave has on multiple times (with the process) been reassuring and upfront on how we could expect things to be (in unexpected times). It’s clear Dave is very seasoned in his profession and that has given us trust in him and the process. Would...
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I would like to express my utmost satisfaction with my recent experience with Element Home Loans. From the moment I reached out, I was met with professionalism, knowledge, and responsiveness that exceeded my expectations.I particularly want...
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Reply from David Thornton
May 5th, 2025 07:52 PM
We're delighted to hear about your positive experience with Element Home Loans and my team. Knowing that our professionalism, knowledge, and responsiveness exceeded your expectations is a great encouragement. Your commendation of the entire...
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Great experience
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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
Specialities
Mortgage
Residential Mortgage
FHA Mortgage
Conventional Mortgage
VA Mortgage
USDA Mortgage
Primary, Secondary & Investment Homes
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.