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 is an excellent communicator that will leave no stone unturned to make sure you get what you need. If I could rate gum higher, I would. We will definitely be coming back for refinancing, as well as recommending him to others.
Reply from Phil Cunningham
September 11th, 2025 02:04 PM
Thanks for the kind words Mike. It is always a pleasure to help dreams come true. I am so glad that everything went smoothly and glad you, Autumn and the entire gang are now down here with the rest of the family. Thank you for your trust in...
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He was always available to answer questions! Overall making a difficult experience easy and I felt good about it every step of the way. I would definitely recommend him to friends and family!!
Reply from Phil Cunningham
September 11th, 2025 02:00 PM
Thank you for the kind words Dennis. Not done yet but we will be there soon!
Phil is an exceptional mortgage agent and has guided and helped us procure three new homes. The "lower" process was simple, quick and saved us a lot of closing time at the attorneys. Thank you to the whole team, for a seamless , enjoyable experience...
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Reply from Phil Cunningham
August 25th, 2025 05:55 PM
Allen, thank you for your continued trust in using me wherever I am, I know that you have been trying to get this one for a while. Thanks also for commenting on my team. They are all excellent at what they do and it is great that you recognize...
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Phil is very easy to work with and always answered any questions immediately
Reply from Phil Cunningham
August 25th, 2025 05:52 PM
Sam, thank you for the great review. I am glad I was able to assist you and get this one behind you. It is always nice to make new friends in the process.
Phil was wonderful! We would definitely recommend to anyone looking for a lender!
Reply from Phil Cunningham
August 4th, 2025 06:36 PM
Thank you Molly, you and Tanner are more than deserving of your beautiful new home and I enjoyed getting to know you both through the process. Enjoy that new home!
Phil was nothing but fantastic advise and put my wife at ease with making my wife comfortable with this purchase
Reply from Phil Cunningham
July 31st, 2025 03:46 PM
Rick, working with you and Janet was a pleasure and I know you are going to enjoy your new getaway place. Thank you for trusting me to assist you.
Phil really took the time to explain everything to us and made it a very smooth process!
Reply from Phil Cunningham
July 31st, 2025 03:46 PM
Lydia, I'm so pleased to hear that you had such a smooth experience. Taking the time to ensure everything is clear and straightforward is something I strive for in every interaction. It's wonderful to know that my approach made a positive impact...
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My husband and I just bought our first home with the help of Phil and from the very first conversation, we knew we were in good hands. Having never done any of this before, Phil took the time to explain every single step and was always available...
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Reply from Phil Cunningham
July 21st, 2025 05:42 PM
Katie, It was an honor to serve you and Dylan. It is nice helping people willing to learn and are so deserving of all the best in life.
What made it great was Phil. He was always communicating what was going on. If there was a delay, he let me know why. Phil made this process easy and I am forever grateful for that.
Reply from Phil Cunningham
July 21st, 2025 05:43 PM
Laurie, I'm really pleased to hear about your positive experience. It is always a blessing to help someone for the second time. Keeping you informed and making the process as smooth as possible is always my goal. It's great to know that I was...
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Phil and his team went above and beyond throughout this whole process. We couldn't have done it without them!
Reply from Phil Cunningham
June 16th, 2025 12:55 PM
Thank you Lena. I always appreciate any opportunity to help your family.
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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.