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
Element Funding provided us with great service and the best rate. Everything was easy and the closing costs were very reasonable. We had no surprises at closing. Highly recommend.
Fast and accurate information on loan and closing. Very nice rate and no surprises!
He was just helpful and very sweet! Awesome job!!
David was very quick with responses to any and all questions we had. The whole process was quicker than expected and we always knew where our application stood. He came to closing and answered even more questions and made sure we understood...
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Everyone was very helpful and pleasant to work with
My loan went pretty fast, there is always something that can cause some "hiccups" along the way, but these small issues were resolved right away and we closed on time
Deborah is truly as asset to your organization. She made our entire experience a pleasure. I will highly recommend your services to anyone I can. Thank you again for the outstanding service.
My experience was impeccable! This is the second loan with David and his team and both times I've experienced top notch service and prompt response on every question I ever had. I also checked around and wasn't able to find another broker that...
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easy forms and responsive to questions
Deborah was amazing she was in constant contact with me every step of the way and helped me tie all the pieces together from the other people involved that weren’t apart of your lending group. She was absolutely amazing.
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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.