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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Business Hours
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
I appreciate how Phil went above and beyond to make my home purchase process go as smoothly as possible.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Any effort was worth it. You are so deserving of this new place. We are always here for you.
Very knowledgeable about the mortgage business. And very responsive to our questions and needs.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Kathi, thank you for the kind words. It was a pleasure meeting you and Tom. I know that you are going to love your new home at the beach. Thank you again for trusting me and my team to help.
Phil, paid attention to every detail and made our "fast" closing painless! Purchase agreement to close in 24 days! Thanks, Phil!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
LuAnn, we could have not done this if you were not so organized. It takes a village of folks pulling together to get it done. Hope you will enjoy having the extra room when family is in town!
Seamless process to get loan for our house.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thanks Robby! Thanks for trusting me to help.
Phil and his team have fostered an environment that makes you feel safe and confident in the decisions being made. Their communication was unmatched! Phil was not only able to score us a fantastic rate, but also got us a 2:1 buy down! I will...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
I'm truly grateful for your kind words, Alex. It's wonderful to hear that you felt safe and confident throughout the loan purchase process and that the communication was to your satisfaction. We strive to provide our clients with the best rates...
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This man won’t be through every step of the process and made my house buying dream come true! You will not find a better financial agent in Wilmington, North Carolina
For a person buying a house for the first time, it can be a very scary experience. Phil is a great guy. He held my hand all the way through it got me through every piece. I would highly recommend him to any of my friends, family or acquaintances...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Brad, I am so happy for you and Diana. I know how much you will enjoy your new home. I thoroughly enjoyed helping you realize your dreams. Thank you so much for trusting us to help.
Excellent service
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thanks Aaron for the kind comments. We are not done yet.
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We could not have asked for a better working relationship than we had with you. Not only were you professional but also very personable. Any questions or concerns were answered without hesitation. We felt comfortable calling at any time. Phil,...
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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.