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
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
The team at Element Funding went above and beyond to close my loan. They were helpful and supportive throughout the entire process and they worked very hard to make sure we got our dream home. David Thornton is a master of his craft and I am...
read more
Reply from David Thornton
May 5th, 2025 07:52 PM
Thank you. It was an honor to assist you and your family!
David did an excellent job working with our mortgage.. It is a tedious working with all the financials underwriters need, but David removed much of the stress.
He was extremely cordial and made us feel very comfortable during the application process. We were kept updated on the loan process as it progressed.
David Thornton has received a review with 5 star rating from Gina M M
David Thornton has received a review with 5 star rating from Albert A M
David Thornton has received a review with 4.66 star rating from L C H
David Thornton has received a review with 5 star rating from Teresa S
I was told I couldn't get approved through another company. I called and spoke with Mr. Thornton and he said lets see what we can do and it got me approved right away. Then table turn and I ended up doing a refinance instead of buying a new...
read more
David Thornton has received a review with 5 star rating from Vavalove G S
David is always professional and on top of each aspect of the process.
171–180 of 491
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.