Phil Cunningham
Producing Branch Manager
University of North Carolina Wilmington
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
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
View all days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Phil was instrumental from day one in our second home purchase. He took my call between closings on a busy Friday, and got our application started just a couple of hours later. He was so efficient that I didn't have time to compare with other...
read more
Reply from Phil Cunningham
May 20th, 2026 01:40 PM
Thank you for the kind review Matthew. I strive to make what can be a transactional business personal. You and Demi were a pleasure to work with and I can't wait to hear about all the family memories you will make at your new place at the beach!...
read more
Phil is absolutely wonderful! I initially reached out to him while he was out of town on vacation and he still took the time to help me with a short turn around time for my closing. His guidance and assistance throughout the process was very...
read more
Reply from Phil Cunningham
May 20th, 2026 01:44 PM
Thank you for the kind review Amanda. It is an amazing feeling seeing someone so joyous and deserving get into their first home. You made the process easy by trusting and performing at every ask. I am excited that you now have a place you can...
read more
Phil is the best! He is so knowledgeable and really helped guide us along the way.
Reply from Phil Cunningham
May 18th, 2026 04:34 PM
Lindsay, I appreciate your kind words and am happy to hear that my knowledge was helpful in guiding you. I'm glad I could support you along the way, and if there's anything else you need, please feel free to reach out.
This is our second time working with Phil, he made the home buying process so easy. We would work with him again for any future home purchases and would definitely recommend him to others!
Reply from Phil Cunningham
May 4th, 2026 02:16 PM
Amy, I'm thankful for your continued trust and for choosing to work with me again. It's great to know that I could help make your home buying process easy. Your willingness to recommend me to others is truly appreciated, and I'm here to assist...
read more
Phil was awesome as usual this is our second time using Phil , makes the entire process smooth and seamles!
Reply from Phil Cunningham
April 23rd, 2026 02:45 PM
Thank you for the kind review Devin. So happy for you and Amy. Thank you for trusting me again to assist you again and will always be here for you.
He took every opportunity to make sure I understood all of my options and always guided me to success during my homebuying process. He is educated thoughtful and treated me like I was his family member. I can't say enough about how wonderful...
read more
Reply from Phil Cunningham
April 23rd, 2026 02:46 PM
Courtney, you were a pleasure to get to know throughout the entire process. You worked hard to find the right loan on your incredible new home. So proud of you!
Phil was great to work with! Open and honest, presenting a ton of options and great advice.
Reply from Phil Cunningham
April 22nd, 2026 05:50 PM
Jeffrey, I'm glad to hear you found my approach open and honest. Providing a variety of options and sound advice is something I strive for in working with clients. If there's anything else you need, please let me know.
Friendly, competent, communicative, caring, helpful, and expedient
Reply from Phil Cunningham
April 3rd, 2026 03:03 PM
Warren is was a sincere pleasure to help you with this mortgage. It is always nice to make friends in the process.
Phil was so friendly, easy to work with, trustworthy, and made solid recommendations. He stayed true to all that was communicated and aimed for from our first meeting to the end. We are so grateful for all he has done for us.
Reply from Phil Cunningham
April 3rd, 2026 03:07 PM
Susan, Thank you for the kind words. It is always nice to work with folks that are so responsive. I know that you and Warren are going to enjoy that beautiful home for a long time to come.
His knowledge and compassion
Reply from Phil Cunningham
March 23rd, 2026 07:06 PM
Thank you for your review, Robin. I'm pleased to know that my knowledge and compassion were evident in supporting your journey. It's important to me that my clients feel both informed and understood. Should you have any further questions or...
read more
10 of 114
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
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Specialities
Second Home and Investment Property Expert
Search Rank ScoreLearn More →
480
/850
Search Rank Score
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Education
- University of North Carolina WilmingtonFinanceBachelor of Science (BS)Aug 1987 -Jun 1990
Year Started
1995
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 659032
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.