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Rich Tibbetts
Sr. Mortgage Advisor | NMLS# 372332
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
Fri
9 AM to 5 PM
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closed
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Reviews from Web
Rich Tibbets is a great advisor no matter what questions we had he always gave great advice.
Reply from Rich Tibbetts
September 8th, 2026 08:27 PM
George, I'm glad to hear that you found my advice helpful. Thank you for your kind words and trust in my guidance.
Rich Tibbetts has received a review with 5 star rating from Mark A
Rich was really thoughtful and personable he listen to my situation, understood it and was able to make it happen
Reply from Rich Tibbetts
August 28th, 2026 05:22 PM
Mark, I appreciate your kind words about my ability to listen and understand your situation. I'm glad I could help make it happen for you. Thank you for sharing your experience!
Rich has great communication skills and a people person i was glad to work with him and his team!
Reply from Rich Tibbetts
August 24th, 2026 04:11 PM
SIMONE, I'm grateful for your kind words about my communication skills and for recognizing the team. It was great working with you as well!
Everthink was great the support the help ensuring I have all the information that I need and pointing be in a direction the over team and supporters just amamazing I will gladly recommend Rich and his team thanks a million
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Reply from Rich Tibbetts
August 13th, 2026 06:32 PM
PAMELLA, I'm pleased to hear that you found the support and guidance helpful. Your recommendation means a lot to me and my team. Thank you for your kind words!
All communication
Reply from Rich Tibbetts
July 22nd, 2026 01:10 PM
RIGOBERTO, thank you for highlighting the communication aspect. I'm glad it stood out during your experience.
He had to call back with my answers
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!
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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.