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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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
Phil was excellent to work with as he explained things well, he was open, honest, and transparent, and welcomed any questions I had. For the most part, he was easy to get in touch with and responded to calls /texts quickly. Without hesitation,...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
James, thank you so much for the kind review. I hope you and the family enjoy the new home.
Phil was easy to get a hold of and offered a lot of reassuring wisdom in navigating the process.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Robert, Clients like you and Allison make it easy. Can't wait to see what you do with your new home! Thank you again for trusting me.
Phil was great to work with! Easy to get a hold of, honest, polite and knowledgeable!
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Allison, Clients like you and Robert make it easy. Can't wait to see what you do with your new home! Thank you again for trusting me.
Great lending agency to work with
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Enjoyed helping you Joel! Hope that you all are enjoying the new house.
The best! Dealing with Phil and his team was an incredibly positive experience. From beginning to end, Phil and his team were professional, responsive, and pleasant to deal with. They held our hands through the process and were ALWAYS there...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Jay, thank you for the kind words! You were a pleasure to work with as well.
Phil was extremely helpful in making this mortgage happen and getting me the best rate. He was available when I had a question and never made me feel like I was bothering him when I did. He was extremely instrumental in catching and fixing...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Laurie, You were a pleasure to work with and I cannot wait to see the transformation of the house. I know that you are going to enjoy it for a long time. Welcome to the beach!
GREAT experience
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Glad we were able to get it done Darrell. Hope you and Debbie enjoy the new home!
Phil was very helpful with explaining the mortgage options and leading us through the qualification process. Will contact Phil when its time to refinance.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thanks Brad! I look forward to assisting with the refi when the time is right!
Very seamless and fast. Excellent communication.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Always a pleasure helping a friend with a big move. Thanks for trusting me to help Ernie!
Thank you for taking the time to fully explain all our options. You made the transaction less stressful by providing useful and understandable information.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Tom, It was a pleasure helping you and Kathi. So glad we connected. I know that you are going to enjoy your new home at the beach.
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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.