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
Extremely attentive. His whole team provided quick and exceptional service.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thank you so much, it's good to get you two closer to home!
Phil and the crew were great ! They know what they are doing and when they say they will do anything in their power to help you out, trust me. They will!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
You were so deserving of this!
Phil and the team went the extra MILES to get me taking care of. It’s always a pleasure working with such a friendly and knowledgeable person. 5 ⭐️ as usual. Thank you 😊
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Matt as always it was a pleasure to help you and Crystal. I appreciate you and your entire family for trusting me to assist.
Really enjoyed working with Phil!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thoroughly enjoyed working with the two of you as well. I hope you really enjoy this new beach house!
Phil was great to work with. He was attentive, caring and made sure I fully understood every step of the process. Highly recommend!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Chelsea, you were a pleasure to work with! I know you are going to love the new house!
Everything was very organized and professional and a personal touch which we loved. You made it easy for us!!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Andrea, you and Rich were a pleasure to work with and get to know throughout the process. I am so excited for you and your new incredible beach house!
I had a fantastic experience with Phil and the Atlantic Bay team, Phil was incredibly helpful throughout the entire process. His clear and consistent communication made it easy to understand each step, alleviating any anxieties I had. I highly...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Joe, Both you and Des were awesome to work with and I know that you will enjoy your new home. It is always nice to make new friends in the process and I feel we have made that happen! Thank you for allowing my team to assist you with this....
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Throughout the entire experience, Phil was friendly and communicative.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Brandon, It was an absolute pleasure helping you and Jen. Welcome to the Beach!
Easy, smooth, and fast closing.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Sam, clients like you make it easy. Thank you for trusting me to assist you and Juliet. Hope you enjoy your place at the BEACH!
Phil and his team were great. Made the process seamless, we greatly appreciated all the work they did for us. Tim
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Tim, thanks again for trusting me to assist. Can't wait to see what you do with the place!
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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.