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
David and his team are miracle workers with top notch customer service! They go above and beyond to make the process easy and smooth. Communication is important during the process of buying a house and all calls and emails were returned right...
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David is the most honest, nice and professional person I have ever had the pleasure of working with.
Great service, made the whole process easy!
Working with Element was a breeze! Every question answered , every concern was rectified. Deborah Collins is a gem!
Excellent service and ease of process.
I was VERY pleased with my experience with David and Element funding. They were great with communication and very easy to work with. Their software is also up to date and made it easy to upload all the documents they needed when they needed...
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I could not be any more pleased with Element funding, specifically with David, Deborah, and Rachel. Their entire team stayed in contact with me thru the entire process, making it easy to get to the closing table. I could tell they were on my...
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David and his team were great to work with. We had to move fast and they worked to get our initial offer pre-approved and in within 4 hours of us contacting them and then worked to help us close 30 days later. It was great, smooth and easy....
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David and his team were great to work with. We had to move fast and they worked to get our initial offer pre-approved and in within 4 hours of us contacting them and then worked to help us close 30 days later. It was great, smooth and easy....
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Everyone is so kind and helpful and they go above and beyond was is expected
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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.