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
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Reviews from Web
David and his team were great to work with through the entire process. We worked together over a year before we found and closed on our home . Communication and insights were exceptional throughout the entire process.
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David Thornton has received a review with 5 star rating from Sofia R
Savanah was amazing to work with , she was always fast to answer and always available.
David Thornton has received a review with 5 star rating from Kayla E
Great experience Dave worked endlessly on getting me my home loan funded now I am a home owner like I’ve always dreamed of.
Reply from David Thornton
February 5th, 2025 01:13 PM
Thank you for trusting me with your home ownership dream journey. It was truly our pleasure.
Dave was always responsive very quick and worked endlessly on getting my home loan funded. He made me feel really comfortable without stress about getting a loan. Great guy to have working on your loan!
David Thornton has received a review with 5 star rating from Emem U
I would have liked more initial communication in regards to loan options. We were not aware the rate differences with points buy-downs prior to disclosure.
David went above and beyond to assist during my loan application process. He was very professional and helpful to get my loan approved on time without all the hassles.
David Thornton has received a review with 5 star rating from Kelly E
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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.