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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We used Homestead Funding Corp to help us figure out the best way to finance our first investment property. Phil and his team were very knowledgeable, responsive and supportive throughout the entire process. There were no surprises and there...
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Phil was extremely attentive to us as customers and posses great customer service. He was very helpful in every aspect of the home borrowing process, and is a true professional.
Phil was Ana amazing guy to work with! I was a first home buyer, and he helped me out with every thing! He went through every line with me about things I wasn’t sure about! Day or night he answered the phone no matter what questions or problems...
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I have worked with Phil and his team on several occasions and had excellent service. Phil made the process easy during a crazy time with the real estate market exploding. He worked to get us the best rate possible and a seamless process up...
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We couldn't have asked for a better partner to assist us. Phil's expertise is an asset and his personal attention to detail unmatched. It's without hesitation that I'd recommend Phil to anyone seeking the best in the business!
Phil's team was honest and efficient. They did not over-promise and there weren't any surprises in the days/hours leading up to closing. Closed in 30 days with best available rates.
Phil came highly recommended by a friend of mine. From the very first conversation my husband and I had with him he seemed like a family member. He genuinely seemed concerned about making sure that we were well taken care of and satisfied with...
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Reply from Phil Cunningham, Lower NMLS# 659032
May 17th, 2019 08:40 PM
Katie, Thank you for the kind words. You and Ricky were a pleasure to work with. It is always a pleasure to work with my brothers and sisters in Christ. I am so happy for you and excited about your incredible new home.
My husband and I recently closed on our home. We had used Phil before and did not hesitate for a second when deciding on who to use for our new home purchase. Phil is always so personable and efficient. He patiently answers all of my questions...
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Phil Cunningham was a pleasure to work with. He made the loan process easy and stress free. He was always available to answer questions no matter the hour. He takes the time to explain the smallest details and walks you through every step of...
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Phil is very detailed about getting all info needed to process the loan. I've know Phil for over 30 years and he has always been a hard worker and a good friend. I will not use anybody other than him for my mortgage needs, where as I bought...
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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.