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
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
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...
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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...
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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...
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Reply from Russell Carmichael
September 24th, 2026 02:07 PM
Thank you so much! It was a pleasure working with you both. I’m really glad we were able to make the process easier than you expected and find the right solution for your situation. I truly appreciate you trusting me to help with such an important...
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Russell's attention to detail and personalized help made the experience great.
Russell and his team excell in providing every resource and instruction needed in order to ensure the home buying process goes as smoothly as possible. He consistently would ensure hwe was available to answer any questions or concerns we had...
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Russell and his team excell in providing every resource and instruction needed in order to ensure the home buying process goes as smoothly as possible. He consistently would ensure hwe was available to answer any questions or concerns we had...
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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!
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Reply from Russell Carmichael
September 24th, 2026 02:06 PM
Thank you so much! I really enjoyed working with you and helping you through each step of the process. I’m grateful you chose me and my team to help with your home purchase!
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!
Reply from Owner
September 24th, 2026 02:05 PM
Thank you so much! It was truly a pleasure working with you. I’m glad I could be there to answer your questions and help make the process a little easier. I really appreciate you trusting me.
Very helpful and informative there for you not themselves highly recommend to anyone trying to purchase a home
Reply from Owner
September 24th, 2026 02:04 PM
Thank you so much! I really enjoyed helping you through the homebuying process and appreciate you trusting me along the way.
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!
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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# 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.