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
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Business Hours
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Great communications and attention to detail,
Attention to details and follow-up were great
David and his team were fast and always working on a deadline to meet. They will keep you on track for your purchase or refinance. My first call to David was on a Sunday afternoon after we found a house. He picked right up and got me what I...
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Dave and Team made the process very efficient and very uncomplicated.
Video updates were clear and precise, just enough, not overwhelming .
I would recommend Dave to my friends.
As a first time home buyer, I was extremely nervous going in to this process. David, Chivonne, Kim and all at Element Funding held my hand through the entire process. They were patient with my questions and thoroughly explained each step as...
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Element Funding did a fantastic job all the way through the process of buying our new home. They are very detail oriented and make sure everything is in place to make a stressful situation go smoothly. I would highly recommend Dave Thorton...
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Dave was helpful and quick to respond to any questions or concerns. His entire team was great to work with during such a stressful time!
Had the patience to deal with me for 2 years, untill I finally found my home. Thanks!
Top Notch Service!!
David was exceptional when it came to a complicated loan approval process. He was always available at a moments notice, even on the weekends. He is knowledgeable of all types of mortgages and I would recommend his expertise without hesitation....
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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.