Ricardo Lopez
Senior Mortgage Advisor
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Rick made the process an easier experience compared to past years.
Reply from Ricardo Lopez
December 8th, 2025 04:40 PM
Could not have done it without your responsiveness. I loved the team work we had from start to finish.
Communication
Reply from Ricardo Lopez
May 29th, 2026 06:05 PM
Thank you Daniel, it was a pleasure working with you !
Rick was very helpful and completed my task kept me up to date very thorough very professional I couldn't help ask for a better agent
Reply from Ricardo Lopez
May 19th, 2026 09:12 PM
Thank you for your kind words!
What an absolute pleasure to be of assistance to you and meet all the desired goals you came to me with. I look forward to staying in touch.
Ricardo made this decision to refinance our home a NO BRAINER. He handled our business as if it was his own home. Ricardo kept in touch as each step was completed from beigining to closing. I would recommend Oxford to all my family and friends...
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Reply from Ricardo Lopez
April 13th, 2026 04:10 PM
Thank you Loren, your kind words mean a lot to me. Theres nothing, I appreciate more than being able to help families achieve their goals.
Ricardo, was very efficient and quick with getting everything done for us . We were very pleased with the outcome , we will pass his name along to anyone looking for a mortgage or refinance.
Reply from Ricardo Lopez
April 7th, 2026 04:15 PM
Thank you so much Beth, it was a pleasure to work with you!
Ricardo is very knowledgeable and accurate with all paperwork involved with our mortgage. He worked tirelessly night and day to make our experience not only flawless and fast but very easy as far as the required paperwork needed to initiate...
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Reply from Ricardo Lopez
March 27th, 2026 07:58 PM
Thank you so much for your kind words — it truly means a lot to me. I’m grateful you placed your trust in me throughout this process.Just as important, I want to thank you for being such a great partner every step of the way. Your responsiveness...
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Hands on, sweet, kind, understanding.
Reply from Ricardo Lopez
March 10th, 2026 03:43 PM
It's truly rewarding to know that my approach resonated with you. I aim to provide a supportive and understanding experience throughout the process. Thank you, Alex, for your kind words!
Very nice people the transition was great
Reply from Ricardo Lopez
March 9th, 2026 01:44 PM
I'm pleased to hear that you found the process smooth and appreciated the team. Ensuring a positive transition is always my goal. Thank you, Danny, for sharing your experience!
Rick and his team could not have been more helpful the whole process was like clockwork I have bought a few homes but this is by far the best company I have found Keep up the good work
Reply from Ricardo Lopez
April 13th, 2026 04:11 PM
Could not have done it without your help throughout the process. We made a great team and moved quickly!
Amazing customer service! Great to work with. Positive attitude, and has all the answers.
Reply from Ricardo Lopez
February 24th, 2026 07:06 PM
Thank you for your trust! This was one of the fastest loans I have ever worked on. It could not have been done without your help and timeliness.
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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
Mortgage Refinance
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284
/850
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Year Started
2025
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 2715662
Hobbies
- Cross-Fit
- Ultra Running
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.