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
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Business Hours
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9 AM to 5 PM
Fri
9 AM to 5 PM
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closed
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Reviews from Web
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.
Phil is very knowledgeable, and made the process very eas
Reply from Phil Cunningham
June 29th, 2026 01:15 PM
Nathaniel, I appreciate your kind words about my knowledge and the ease of the process. I always am honored from helping you family again.
Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!!
Reply from Phil Cunningham
June 22nd, 2026 07:15 PM
Crystal, I appreciate your kind words and am pleased to hear that you found my professionalism and willingness to help beneficial. I'm grateful for your trust and loyalty, and I'm here whenever you need assistance.
Phil is very knowledgeable and helpful. Was always available to answer any questions we had throughout the loan process. This is our second loan in 3 years with Phil and would not hestitate to use him again and recommend him to others.
Reply from Phil Cunningham
June 22nd, 2026 01:45 PM
Thank you for the kind review Lisa! It is always a pleasure and reassuring that customers like you and Tim return for you loan needs again and again. I am so glad you reached out again and glad I could assist you. Enjoy that beautiful beach...
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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...
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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!...
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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...
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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...
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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...
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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.