R
Rich Tibbetts
Sr. 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
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Thanks you
Reply from Rich Tibbetts
July 3rd, 2026 04:29 PM
ANTHONY, I appreciate your message. Thank you for reaching out and sharing your thoughts.
I tried equity loan last year with Penny Mac but it was pain stacking. With Oxford Home Lending, it was smoothly and on time as I needed it. I got more money than what Penny Mac was offering. Thank Rich Tibbetts for your business, being courteous,...
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Presistance
Reply from Rich Tibbetts
June 24th, 2026 06:02 PM
KUOT, I appreciate your succinct feedback. It's good to know that perseverance was a standout aspect of your experience. Thank you for taking the time to share this!
Rich was very informative and akways always willing to answer quedtion question . An enjoyable experience
Reply from Rich Tibbetts
June 8th, 2026 01:34 PM
MICHAEL, I'm grateful for your feedback and happy to hear that you found our interactions informative and enjoyable. It's always my aim to be helpful and responsive. Thank you for sharing your experience!
Time lines could have been better. Rich is a very nice guy who knows his job.
Rich is knowledgeable, personable and professional! Like talking to a friend you've known for years! Not only did he meet our needs, he exceeeded them!
Reply from Rich Tibbetts
May 18th, 2026 07:59 PM
ROBERT, I'm so glad to hear that you felt comfortable and well-supported throughout the process. Your kind words mean a lot to me, and I'm pleased to know that I was able to exceed your expectations. Thank you for sharing your experience!
Rich really work with me to get this done kept me motivated
When I was buying my second home I was connected with Rich over 3 years ago. He and his team went above and beyond to do what they could to make the process as smooth as possible. Rich is extremely knowledgeable and informative and gives his...
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Mr. Tibbetts went above and beyond Any loan officer that I’ve ever had. He handled all my needs quickly and efficiently. He made my application easy I would highly recommend him. Is reachable 24 seven for any concerns.
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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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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 372332
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.