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
David and the folks he works with were wonderfully communicative through all facets of the loan approval process. I always felt that they were focused on me as a person and not just another file to be handled.
.
David was easy to work with and professional.
Communication between us and Element Funding was spot on. Anytime we had a question or was unsure of something, we were able to get in contact with Element and get our questions and concerns answered. It was a great experience!
David went over and beyond to make sure my closing went smoothly and in a timely manner. He was very patient when things were stressful. I recommend David and Element Funding to everyone.
The entire process was painless from start to finish. I was impressed with David’s knowledge of Veterans Administration home loan rules and procedures which ensured a timely approval with no “do overs”. He seemed to always be available when...
read more
He kept me informed throughout the whole process.
We love working with David Thornton, He is very professional and thorough. He answers all of our questions in a level so we can understand it. Because the process of buying a home can be stressful. With his expertise our home purchase was stressfree....
read more
We love working with David Thornton, He is very professional and thorough. He answers all of our questions in a level so we can understand it. Because the process of buying a home can be stressful. With his expertise our home purchase was stressfree....
read more
We love working with David Thornton, He is very professional and thorough. He answers all of our questions in a level so we can understand it. Because the process of buying a home can be stressful. With his expertise our home purchase was stressfree....
read more
381–390 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.