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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
His team made it painless and easy to do I was not easy to work with!
Thanks!!!!!
James H. Hall Jr.
Dave and his team made a difficult and at times, frustrating process bearable. Michele Ledford worked diligently to help us get our home. Thank you all for your time, effort, energy and kindness! We will never forget it. Larry and Michelle...
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Worked with me the entire way till I signed. Everything was smooth and easy.
David showed real interest in helping and assisting us . His team looked at various options so we could get the home we needed . Stayed and supported us to the very end of the process. Being first time buyers this made us feel more confident...
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Time line was very important for us to obtain a mortgage.We only had 23 days to obtain a mortgage and close.David understood our situation and said he could meet the deadline. David delivered as promised before the deadline. David and his associates...
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David's timely communication helped make this a smooth process. Very professional, too.
David kept us informed of our loan status every step of the way. As first time home buyers, we had a lot of questions, and he had a lot of patience with us! He made himself available to us and was quick to return our calls or emails. It was...
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Kept me informed and explained the process so that I was always knew what was happening and what would happen next.
David Thornton is a top shelf expert who goes above and beyond. He was very informative in every step of my mortgage process. I highly recommend David to anyone that is trying to attain a mortgage loan.
David goes above and beyond to make sure everything works out!
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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.