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
Russell was great! if i had a question or needed help he was quick to respond and get me the help I needed . he is good at his job and knows everything that is needed with getting a house. he was right there every step of the way and I am very...
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Russel was very responsive and communicated well. He was helpful in understanding our needs.
Russell is super knowledgeable and always only a call or text away to help with any and everything throughout the loan process
Weekly updates and well communication throughout the whole process .
Russell did a great job at doing whatever it took to get the job done
Communication was awesome
Russell was super great! I would recommend him to anyone looking to buy a home. We hit a few obstacles during our home-buying process, but Russel was quick to act and handle the problem. He always answered our questions quickly and called to...
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Used Russell to explore a 15-year, fixed-rate refinance on our 30-year mortgage. He got us an unbelievable rate (below 3%) and the entire process took a little more than a month (most of that time was waiting on the appraisal). He was conscientious...
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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.