Russell Carmichael
Branch Manager, VP | NMLS# 1492025
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
Sat
closed
Sun
closed
Mon
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
We got connected with Russell through our real estate agent and we had a phenomenal experience. The loan we ended up needing to move into our house was anything but straightforward, and Russell and his team overdelivered at every step despite...
read more
Reply from Owner
September 3rd, 2026 07:56 PM
Thank you so much for the kind review. I really enjoyed working with you guys and I’m glad we were able to get everything across the finish line. There were definitely a few challenges along the way, but you guys were great to work with through...
read more
Russell was outstanding throughout the entire mortgage pr beginning, he was knowledgeable, responsive, and always willing to answer any questions we had. He made what could have been a stressful experience feel smooth and straightforward by...
read more
Russell was very helpful. He answered all my questions & kept me informed at every step. I'm very happy that I chose Lower Mortgage and Russell & team for this process!
.
Russell is Excellent!!
He gives you all the data you need, stays on top of everything, calls you frequently and always answers his phone
With him any question gets answered!
Very helpful and informative there for you not themselves highly recommend to anyone trying to purchase a home
Russell Carmichael has received a review with 5 star rating from Kyle L
Reply from Owner
September 3rd, 2026 07:58 PM
Thanks for your review. It was a pleasure working with you.
Russell and his folks worked with us the entire process and had the patience when close to the deadline and technical difficulties. I would recommend him to others.
Reply from Russell Carmichael
September 3rd, 2026 07:57 PM
Thank you for the kind review and recommendation! I’m glad we were able to work through everything and get you to the finish line. I really appreciate you trusting me and my team to help you through the process!
I’ve truly enjoyed working with Russell! He is knowledgeable, kind, calm, and just genuinely a great person to work with. Real estate transactions can have a lot of moving parts, and I really appreciate having a lender who communicates well,...
read more
Reply from Owner
September 3rd, 2026 07:59 PM
Thank you so much for the kind words! I’ve really enjoyed working with you too. I appreciate the trust you put in me with your clients, and I’m always grateful for the opportunity to work together and take great care of them. Looking forward...
read more
Russell Carmichael has received a review with 5 star rating from Lorena
Reply from Owner
August 20th, 2026 08:46 PM
Thank you for taking the time to leave me a review. It was a pleasure helping you.
Russell was very kind and efficient during the entire mortgage process. He patiently answered all my questions and it genuinely felt like he was doing everything he could to make the process as easy as possible while getting me the best rate....
read more
Reply from Owner
August 20th, 2026 08:48 PM
Thank you so much! I truly appreciate the kind words and your trust throughout the process. I always want my clients to feel comfortable asking questions and confident that I’m looking out for their best interests. I appreciate your recommendation....
read more
10 of 95
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1492025
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.