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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Excellent and knowledgeable experience
Reply from Phil Cunningham
June 12th, 2025 12:43 PM
I'm thrilled to hear that you found the experience excellent and knowledgeable. It was a pleasure assisting you, and I appreciate your feedback.
Injabe worked with Phil for years and highly recommend him.
Reply from Phil Cunningham
June 12th, 2025 12:44 PM
Paul, Thank you for your kind words and recommendation, Paul. I'm glad to have had the opportunity to work with you over the years. If you have any more feedback or need assistance in the future, please feel free to reach out.
Phil was on top of things 24/7. If we had any questions he was quick to answer and would have calls with us about anything we needed to.
Reply from Phil Cunningham
June 12th, 2025 12:46 PM
Ben, thank you for the kind words and review. It was a pleasure to get to know you both throughout the process. I look forward to our relationship going forward. It is so fulfilling working with first time homebuyers like you both.
Phil and his team worked magic getting my family and I our dream home we are so blessed and thankful to have worked with Phil again.
Reply from Phil Cunningham
June 12th, 2025 12:46 PM
I'm thrilled to hear that you and your family had a wonderful experience securing your dream home. It was a privilege to work with you again, and I appreciate your kind words. Wishing you all the best in your new home! Also thanks for referring...
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Gret communication.
Great response time to questions.
Streamlined closing.
Reply from Phil Cunningham
June 12th, 2025 12:48 PM
Greg, thank you for trusting me to help. It means a lot to me to have a fellow real estate professional reach out. I'm thrilled to hear that you found the communication and response times effective, and that the closing process was streamlined....
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Phil makes every piece of the process so easy It's as if nothing is actually taking place in comparison to the gravity of refinancing. His support team communicates clearly and in a very professional manner, only when necessary and quick to...
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Reply from Phil Cunningham
June 6th, 2025 12:51 PM
Kevin, it is always my pleasure to help customers that come back to me for these important decisions. I am thankful for your trust and glad we were able to help you meet your financial goals. I am always here for you!
Phil worked really hard to make this dream a reality for us! We are forever grateful to him for his diligence, support, and kindness.
Reply from Phil Cunningham
July 21st, 2025 05:44 PM
Michael, thank you for your kind words. I'm truly glad to know that my efforts made a real difference in helping you achieve your dream. Being able to support and guide you through the process is always rewarding. Your gratitude means a lot...
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The whole process was great
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It is easy when the clients are as good as you two were. Hope you are enjoying your new home! I was a real pleasure getting to know you.
We did not know Phil coming in to this, but he made us feel like family from the very first day.
Phil is very knowledgeable in what he does.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Kim it is always nice to make new friends in the mortgage process. I was truly blessed to get to know you and Bobby. It's the clients like you that make this rewarding!
Very professional
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Carol, it's always a pleasure to help a repeat customer! Congratulations on your beautiful new home!
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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.