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
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closed
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closed
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Reviews from Web
Follow Up and Communication on Point!!
Phil was wonderful to work with. Many times he answered questions before we asked. We would definitely recommend him and Atlantic Bay Mortgage to friends and family. Thank you, Phil the level of service you provided was above and beyond. Kim...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Harry and Kim, thank you for the wonderful review. It was great getting to know you and thanks again for trusting me to help.
Everything was super easy and we didn’t have any problems with closing on time. The portal to submit and sign documents was simple to use.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
I am so excited for your new house Pam. You and Jerry deserve the best! Thank you for trusting me to help you again!
I was representing the seller. I appreciated the updates on the loan process and a smooth closing.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thank you Julie, You are always a pleasure to work with on whichever side of the deal you are doing. Your professionalism always comes through.
Communication with myself and my client
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It is always a pleasure working with such a professional Miah!
Phil went over and above. We had a sticky situation near the end of closing and Phil went the extra mile to make sure we all got to the closing table. Thank you for that! You don’t find that often. I would highly recommend Phil to anyone needing...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Laurinda, Thank you for the kinds words. It was a pleasure working with you as well. It is always nice to deal with agents on both sides that go overboard to help the deal go smooth and in the best interest of everyone involved. I look forward...
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Phil Cunningham
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It was as always a pleasure working with you again Gail.
Phil made it as easy as possible. Almost made me happy about spending money! :-)
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
That is the least I could do Jerry. Thank you for always trusting me to help!
Phil was nothing short of phenomenal. We started on a different structure type of loan and quickly had to change our process to get the house I wanted. He took care of everything in record timing and I am now sitting in my dream home. Thank...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
You are welcome Ryan. It is always a pleasure helping a new friend out! Congrats on your incredible new home!
Phil, David, are very knowledgeable and always on top of the loan and any foreseen paperwork. Phil, has always returned my emails and my calls. I feel he sincerely cares about my needs as a customer.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Marty, I thoroughly enjoyed working with you and Sarah. I am so happy for your new home and am glad to now call you friend! Thanks for trusting me
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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.