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(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
I like the transparency. I like that my loan was structured around my financial ability.
Everyone that I dealt with were friendly, knowledgeable and very helpful. David was my first contact, and kept me informed every step of the process. A great person and a great company to do business with.
Thanks very much
We truly appreciate the effort and time David Thornton has put into making this purchase possible. It couldn’t have been easy, given the expedited timeframe. He has been efficient and accurate but also kind and considerate. It’s always good...
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Very happy with all aspects. Dave went above and beyond for us. Thank you.
Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you so much!
David and his team got me through the financial part of the journey smoothly and made sure I stayed within my desired payment. From head to toe very good job. Thank you all.
Very professional and great to work with.
Informative, helpful and thorough during the entire process.
Very professional
His timely response to all our questions and willingness to help in every way. The best experience we’ve had in our life time of obtaining loans for six primary residences and five rental properties prior to this.
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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.