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
David is great! He contacted us when it was time to lower our interest rate through the VA. And except for a small glitch because of hurricane Milton, all the paperwork process was a breeze.
We had tried to get the mortgage from another lender, however, they were not able to work with us and approve the loan. After we started to work with David, he gave us the desire to continue to seek the loan. He and his team were able to complete...
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We had tried to get the mortgage from another lender, however, they were not able to with us and approve the loan. After we started to work with David, he gave us the desire to continue to seek the loan. He and his team were able to complete...
read more
Roland is the best
Simple and smooth. Dave was always there when I dialed his number.
Simple and smooth. Dave was always there when I dialed his number.
Was there for me on all aspects of the loan process anytime I had a question he was there for me and my wife I can’t say enough just a great experience.
It was great working with Element loans. They were all very knowledgeable and on top of everything. They answered all my questions and made sure it was a seamless closing.
Overall good experience, would have been great to meet Dave during our process.
We were kept informed of the status of our loan application every step of the way. Our questions were quickly answered, whenever one came up. Everyone we spoke with treated us with courtesy and respect.
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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.