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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
I want to thank David and Wendy, with the purchasing of my new house, I wouldn't be here today if not for their accuracy, knowledge, and they true passion to help other in their feild. Truly it has been a honor to work with you both. !!!!!
Reply from David Thornton
February 13th, 2026 04:30 PM
Thank you so much for trusting us with your 1st home purchase. We are so happy for you!! You are awesome to work with also!
Amazing work made getting my home and working with my conditions a breeze great communication as well !!
Reply from Owner
February 6th, 2026 09:21 PM
Thank you. You were great to work with! Enjoy your new home!!
Great communication and very willing to help with any issues !
Reply from David Thornton
February 13th, 2026 03:55 PM
Kade, thank you for highlighting the communication and support you experienced. I'm pleased to have been able to assist you effectively. If there's anything else you might need in the future, please feel free to reach out.
David was so helpful with each step of the process of buying the house. He went over and beyond in helping us sign documents and each step and helping us understand what was needed to do. Thank you.
Reply from David Thornton
April 2nd, 2026 05:14 PM
I appreciate your kind words, Judith. I'm pleased to know that I could assist you throughout the process of buying your home and ensure you felt supported at every step. If there are any further questions or additional assistance you need,...
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My husband and I used David for our first home. I can’t recommend him enough! He was amazing throughout the entire process. Attentive to all of our questions and quick to respond. We appreciate all his hard work.
Reply from Owner
February 6th, 2026 09:22 PM
Thank you! You both were great to work with! Enjoy your new home. 🏘️
David Thornton has received a review with 5 star rating from David T
This was my first house , and I was worried that it was going to be incredibly stressful due to my lack of knowledge. Instead the process was quick and painless. All my questions were answered in full and quickly. I appreciate everything that...
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Reply from David Thornton
January 17th, 2026 02:37 PM
Thank you for trusting us with your 1st home! You were amazing to work with as well!
David was excellent to work with. My husband and I appreciate all of his hard work and excellent communication throughout the entire process of buying our first home. I will defintely recommend him to all my friends and family!
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Reply from David Thornton
January 17th, 2026 02:38 PM
So glad you trusted us with your 1st home. So happy for the both of you! Can't wait to see the next one!!!
every thing
Reply from David Thornton
January 17th, 2026 02:38 PM
Thanks for the awesome review!
The service and David's knowledge
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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.