Phil Cunningham
Producing Branch Manager | NMLS# 659032
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
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Seamless. Little to no effort on our part required.
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
From the start, Phil maintained clear communication and helped ensure the entire end-to-end process ran smoothly. He was always available by phone or text—sometimes several times a day—to answer questions and provide clarification whenever...
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Reply from Phil Cunningham
August 18th, 2026 05:57 PM
Brian, thank you for the kind words. I thoroughly enjoyed working with you to make this happen. I know that you will enjoy the new home. Please let me know if I can ever help you again.
Phil did a great job explaining things along the way and walking us through every step. He is very personable and you can tell he truly cares.
Reply from Phil Cunningham
August 18th, 2026 05:53 PM
Samantha, thank you for the kind review. Working with you throughout this process was a pleasure. Thank you for asking the right questions as I know this Construction to Permanent loan has a lot of moving parts. I cannot wait to see the progress...
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Phil was amazing to work with.
Reply from Phil Cunningham
August 18th, 2026 05:50 PM
Erica, it was pretty amazing working with you as well. I strive to make that personal connection with all of my clients and you two made it easy. I know you will enjoy that new home! I look forward to serving you again in the future.
Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible
Reply from Phil Cunningham
August 17th, 2026 04:29 PM
Meredith, I'm grateful for your kind words and am glad I could provide personalized advice that suited your needs. It's important to me to think creatively and find the best possible situation for my clients. If there's anything more I can...
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Getting it done so quickly after changing us to the buyers and keeping the same closing day.
Reply from Phil Cunningham
August 17th, 2026 06:28 PM
Matthew, I'm pleased that I could facilitate a quick transition for you and maintain the original closing day. If you have any other questions or need further assistance, feel free to reach out.
It was a pleasure working with Phil his knowledge and expertise made this an easy experience. He was always available for any questions we had and helped us with an discussions. We would work with Phil no questions asked on our next purchase....
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Reply from Phil Cunningham
July 20th, 2026 01:51 PM
Thank you for the kind comments Goran. It was more than a pleasure to assist you and Sandra with the purchase of your beach house! I am so excited for you to have your own place down here in paradise and I am also looking forward to watching...
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Phil is a great guy very helpful, understanding, and always there if need anything. made the process easy. talks you step by step thru the process and gives great advice and helps you understand everything
Reply from Phil Cunningham
July 20th, 2026 01:51 PM
Zane, I'm grateful for your kind words and pleased to know that I could make the process easy for you. It's nice to hear that my step-by-step guidance and advice were helpful in ensuring you understood everything. If there's anything else you...
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Phil took care of the whole thing and made it very easy
Reply from Phil Cunningham
July 14th, 2026 06:23 PM
Connor, I'm pleased to hear that I was able to make the process easy for you. If there's anything else you need or any questions you have, feel free to reach out.
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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
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Specialities
Second Home and Investment Property Expert
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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.