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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Reviews from Web
Phil was awesome as usual this is our second time using Phil , makes the entire process smooth and seamles!
Reply from Phil Cunningham
April 23rd, 2026 02:45 PM
Thank you for the kind review Devin. So happy for you and Amy. Thank you for trusting me again to assist you again and will always be here for you.
He took every opportunity to make sure I understood all of my options and always guided me to success during my homebuying process. He is educated thoughtful and treated me like I was his family member. I can't say enough about how wonderful...
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Reply from Phil Cunningham
April 23rd, 2026 02:46 PM
Courtney, you were a pleasure to get to know throughout the entire process. You worked hard to find the right loan on your incredible new home. So proud of you!
Phil was great to work with! Open and honest, presenting a ton of options and great advice.
Reply from Phil Cunningham
April 22nd, 2026 05:50 PM
Jeffrey, I'm glad to hear you found my approach open and honest. Providing a variety of options and sound advice is something I strive for in working with clients. If there's anything else you need, please let me know.
Friendly, competent, communicative, caring, helpful, and expedient
Reply from Phil Cunningham
April 3rd, 2026 03:03 PM
Warren is was a sincere pleasure to help you with this mortgage. It is always nice to make friends in the process.
Phil was so friendly, easy to work with, trustworthy, and made solid recommendations. He stayed true to all that was communicated and aimed for from our first meeting to the end. We are so grateful for all he has done for us.
Reply from Phil Cunningham
April 3rd, 2026 03:07 PM
Susan, Thank you for the kind words. It is always nice to work with folks that are so responsive. I know that you and Warren are going to enjoy that beautiful home for a long time to come.
His knowledge and compassion
Reply from Phil Cunningham
March 23rd, 2026 07:06 PM
Thank you for your review, Robin. I'm pleased to know that my knowledge and compassion were evident in supporting your journey. It's important to me that my clients feel both informed and understood. Should you have any further questions or...
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Phil has been a pleasure to work with. i think he always has our best interest at heart. I will recomend Phil and Lower Mortgage to anyone I know that needs a mortgage
Reply from Phil Cunningham
March 19th, 2026 02:26 PM
Gordon, I appreciate your kind words. It's reassuring to know that you felt I had your best interests in mind throughout the process. Your willingness to recommend me and Lower to others means a lot, and I'm grateful for your trust. If there...
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Phil was great through the entire process. He was diligent to keep my family in the loop, often pulling back the curtain to give an in depth explanation on best avenues to pursue. As a first time buyer he really did help remove the anxiety...
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Reply from Phil Cunningham
March 2nd, 2026 03:11 PM
I'm thankful for your thoughtful review, Ronald. It's fulfilling to know that I could provide clarity and ease for you and your family during this significant journey. Helping first-time buyers like yourself navigate these major decisions is...
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Phil made made every step of the process easy. He explained everything throughly and was always available when we had questions. Highly recommend!
Reply from Phil Cunningham
February 23rd, 2026 08:38 PM
I appreciate your thoughtful feedback, Alexis. I'm glad to hear that the process felt easy and that my explanations and availability were helpful to you. It's important to me that you feel supported every step of the way. Your recommendation...
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Phil was very helpful personable anytime we had any questions he was on it. He kept us informed though out the whole time. He is a great asset to your company. You don't find people that are that customer oriented and willing to help. Thank...
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Reply from Phil Cunningham
March 3rd, 2026 05:14 PM
Adam, so glad I got to meet you and Lorri. Thanks for the kind review. Thanks also for mentioning keeping you informed as that is what I aim to do. I am so glad you were able to get the other house sold. Welcome to the coast!
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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.