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
Phil was amazing! I'm a first-time homebuyer and was anxious about the process. Phil worked with me for months to make sure I was prepared to purchase my dream home. He took me from being a renter to a homeowner. I'm extremely grateful for...
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Reply from Phil Cunningham
December 5th, 2025 02:57 PM
Kaitlyn, thank you for the review. It is always a pleasure to help someone who is willing to listen and learn. I am so proud of you for sticking with the plan through every twist and turn. You did this my friend, thanks for letting me be part...
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Phil is amazing to work with. He will take care of you like he does his own family. We wouldn’t want to work with anyone else.
Reply from Phil Cunningham
December 5th, 2025 02:59 PM
Thank you for the review Justin. It is always a pleasure to help you and Sandy. 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.
What can I say...I just love Phil!! Not only were we doing my personal transaction but we were doing two others simutaneously with two of my buyers. We DID IT!! Thank YOU Phil for walking on this journey with me and my clients!! Appreciate...
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Reply from Phil Cunningham
December 5th, 2025 03:02 PM
Stephanie, thank you for the great review. It is an honor to help my business partners with their own purchases. When you first told me about this house and what it would mean for you and Dink it got me excited as well. Thanks again for trusting...
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Phil was very knowledgeable and was so much help in navigating the mortgage process! I would definitely recommend him to anyone needing to go through this process.
Reply from Phil Cunningham
November 25th, 2025 12:03 PM
Amy, thank you for the kind words. You were such a pleasure to work with and I know you are looking forward to getting down to the coast full time. Please let me know when I can assist you again.
Phil had everything covered, was great at giving info. And is a true professional at his job. Im not sure another person can compare to how he treated us in the most helpful way.
Reply from Phil Cunningham
November 25th, 2025 12:02 PM
Thank you Harry for the kind words. Thank you for coming back to me for the second time. I am grateful for customers like you and Kim.
Phil is wonderful to work with. This is our second time. The first for our original mortgage and the second this refi. He is always informative, knowledgeable, and professional.
Reply from Phil Cunningham
November 25th, 2025 12:00 PM
Kim, thank you for trusting me to take care or your refinance for you. It is always an honor to help someone for a second time.
The transactions were easy and Phil took very good care of us. He is an excellent communicator! Thank you so much Phil!!!
Reply from Phil Cunningham
September 24th, 2025 01:29 PM
Dana, thank you and Robbie again for trusting me to assist you again. I am so excited for the two of you and your new home. I am always here when you need me.
Phil's the best !!!!
Reply from Phil Cunningham
September 16th, 2025 05:30 PM
Robbie, you and Dana are more than deserving of your beautiful new home. I know that you will enjoy it. Thank you for trusting me with the planning and execution to make it happen. I appreciate your friendship and support.
Phil is incredible at his job! He is the most knowledgable I have found in his field. He takes care of you like family and I would never use another lender. He is top notch. Thank you Phil for getting my husband and I through this process....
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Reply from Phil Cunningham
September 11th, 2025 02:09 PM
Christen, It is always an honor to help someone more than once with this process. This is our second and thank you for the kind review. It is always easy when helping friends. I am so happy for you, David and your big family! Congratulations!...
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Phil made this the best experience I've ever had working with a lender. He truly cares about his clients.
Reply from Phil Cunningham
September 11th, 2025 02:06 PM
David, thank you for the kind review. Customers that become friends throughout the process is what I strive for and caring is part of that plan. Congratulations on the new home! You Deserve it!
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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.