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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closed
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Reviews from Web
Phil made the process so easy. He walked us through the steps and kept us informed the whole time. He gave us great advice. He is so easy to work with. I will miss working with him. I would definitely reach out to him again if I need another...
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Reply from Phil Cunningham
March 3rd, 2026 05:15 PM
I'm grateful for your kind words, Lorri. It's wonderful to hear that you found the process easy and my guidance helpful. Keeping you informed and providing good advice are key parts of what I aim to offer every client. I'll certainly miss working...
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Phil was always available to take our phone calls or call us back in a timely manner.Always professional but made you feel like a friend not just a client.Great team!
Reply from Phil Cunningham
March 3rd, 2026 05:16 PM
It is always a pleasure to help friends. I appreciate you and Phyllis! See you next time!
Phil's personal attention and pleasant character. He was right on the mark on all transactions. Made it all seam effortless. I am very grateful for his expertise and advice.
Reply from Phil Cunningham
March 3rd, 2026 05:17 PM
I'm grateful for your kind words, Doris. It's rewarding to know that my personal attention and approach resonated with you. I'm pleased that the process felt seamless and that my advice was valuable to you. If you have any further questions...
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Phil was always very helpful and able to answer every question! He always kept in contact every step of the way!! Would definitely recommend him!
Reply from Phil Cunningham
March 3rd, 2026 05:29 PM
Thank you for sharing your kind words, Dennis. I'm pleased to know that my communication and assistance made a positive difference throughout your experience. It’s important to me that you felt supported at each step. Your recommendation is...
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Communication, communiation, communication!!!
Reply from Phil Cunningham
March 3rd, 2026 05:18 PM
Jerry, effective communication is something I prioritize to ensure everything goes smoothly and clearly for you. I'm glad that stood out in your experience. If there’s anything more you’d like to discuss or need assistance with in the future,...
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Phil was very informative on everything.Always kept us up to date on happenings for my mortgage.Always nice to talk with him and very friendly
Reply from Phil Cunningham
March 3rd, 2026 05:20 PM
Thank you for your kind words, Mike. I'm glad to know that you found my communication informative and enjoyed our interactions throughout your mortgage process. Keeping my clients updated and being approachable is important to me. If there's...
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Phil was very informative. Always available to assist with anything.
Reply from Phil Cunningham
December 5th, 2025 02:48 PM
RJ, thank you for trusting me to get this done for you. I am ready for the next one and looking forward to it. Beautiful home. Congratulations!
Phil was great at keeping me in the loop on progress and educating along the way!He did not treat me as though he was rushing through the process or did not have time for me. I have already recommended him to another buyer.
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Reply from Phil Cunningham
December 5th, 2025 02:50 PM
Stacey, I am so grateful for customers like you. I appreciate you sticking with it even when things got a little difficult. Welcome to beautiful Southport!
Phil was outstanding in every area of our experience!
Reply from Phil Cunningham
December 5th, 2025 02:51 PM
Thanks Dink for the kind words. I know that the two of you are excited about the new home! Congratulations
If you're in need of a loan officer who is personable, genuinely committed to understanding your family's financial goals, and gives sound advice from professional and personal experiences- Phil is the one! We've worked with Phil a few times...
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Reply from Phil Cunningham
December 5th, 2025 02:54 PM
Thank you for that awesome review Sandy. It is always a pleasure to help you and Justin. Thanks for trusting me over and over again. Can't wait to see the progress to come and especially the home when it is finished.
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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.