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
View All days
Search Reviews
Search
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Easy step by step process and if needed anything communication was there.
Reply from David Thornton
February 13th, 2026 04:31 PM
Thank you for everything! We appreciate your support!
Dave is the best lender. I am a realtor and when it came time for me to need a lender, Dave is who I turned to. Not only for me personally but my son. He is who I recommend to all my clients as well. He always goes above and beyond to get the...
read more
Reply from Owner
October 17th, 2025 07:24 PM
Thank you! You’re the best!
Both Dave and Wendy went above and beyond to get this deal done. I am a realtor and recommend Dave to all my clients, family and friends.
Reply from David Thornton
April 2nd, 2026 05:15 PM
I'm truly grateful for your kind words, Angela. It's rewarding to hear that both Wendy and I were able to assist you effectively. Your recommendation to your clients, family, and friends is greatly appreciated. If there's anything more I can...
read more
Credit Impact is minimal for an FHA loan through lower, very straightforward underwriting. Great teamwork, big shoutout to Wendy Buckingham on David's team. David is an excellent person to work with, and a friend who works hard to make it possible,...
read more
Reply from Owner
October 17th, 2025 07:24 PM
Thank you! So happy for you and your family!
humility, patience, hard work, supportive
Reply from David Thornton
April 2nd, 2026 05:16 PM
I appreciate your kind words, Rodney. I'm pleased to know that my humility and patience resonated with you and that you felt supported throughout the process. Your feedback about my work truly means a lot. If there's anything more I can assist...
read more
We recently closed on our new home, and I can’t say enough good things about David Thornton and his team! From start to finish, the entire process was smooth, professional, and stress-free. David took the time to explain every step clearly,...
read more
Reply from Owner
October 17th, 2025 07:26 PM
Thank you! We are grateful for you as well!
We recently closed on our new home, and I can’t say enough good things about David Thornton and his team! From start to finish, the entire process was smooth, professional, and stress-free. David took the time to explain every step clearly,...
read more
Reply from David Thornton
April 2nd, 2026 05:16 PM
Thank you for your thoughtful review, Joseph. I'm truly pleased to hear that the journey to your new home was smooth and stress-free. It was my goal to ensure you felt comfortable and informed every step of the way. I appreciate your recognition...
read more
Timely
Knowledgeable
Committed
Personable
Results-Oriented
Client-Centered
Reply from David Thornton
September 16th, 2025 10:10 PM
You are pretty awesome yourself! Glad we could help you get the new house!
Dave was super helpful throughout the process and was always available to answer my questions when I needed something.
Reply from David Thornton
September 16th, 2025 10:11 PM
It was a pleasure to help you with your purchase! Thank you for trusting me and my team!
David and his team have always been great and mad the process very smooth. I appreciate all his hard
Reply from David Thornton
September 16th, 2025 10:12 PM
Thanks for trusting me (the second time) with your mortgage needs!
51–60 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.