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
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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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Reviews from Web
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,...
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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...
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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....
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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....
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Russell is the man. He is always there with an answer or will find out. He is honest up front and able to tell you what needs to happen and when as the process is moving forward. he and his team are spot on with helping and the knowledge they...
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Reply from Owner
August 20th, 2026 08:49 PM
Thank you so much! This really means a lot to me. I’m grateful for the trust you put in me and my team, and I’m glad we could be there to guide you through the process. I truly appreciate you and look forward to helping you again whenever you...
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Russell not only keeps my buyer or seller informed throughout their buying or selling process but also ensures that the agents are kept in the loop. He is incredibly responsive to any calls or texts I may have made and possesses extensive knowledge...
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Reply from Owner
August 20th, 2026 08:50 PM
Thank you so much! I truly appreciate your trust in me to take care of your clients. Keeping you and your clients informed throughout the process is extremely important to me, and I’m grateful for the opportunity to work alongside you.
Russell made the mortgage application process so much easier! He was incredibly helpful, professional, and patient throughout the entire process. He guided me through each step and made sure everything was completed smoothly. I truly appreciate...
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Reply from Owner
August 20th, 2026 08:52 PM
Thank you so much for the kind words and recommendation! I’m glad I could help make the mortgage process easier and guide you through each step along the way. I truly appreciate you trusting me to help with your home financing!
Made my home buying process so easy! I cannot thank Russell enough for allowing me to be so stress free buying my first home.
Reply from Owner
August 20th, 2026 08:56 PM
Thank you so much! It was a pleasure helping you purchase your first home, and I’m glad I could help make the process easy and stress-free. I’ve enjoyed seeing the updates you’ve shared along the way too. It looks like you’re really making...
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Russell was so helpful throughout the process of our recent home purchase. I moved to Alabama from out-of-state and would recommend Russell to anyone looking for a mortgage. He’s the embodiment of Southern hospitality.
Reply from Owner
August 19th, 2026 02:10 AM
Thank you for saying that. It really means a lot to me and I'm glad my team and I were able to give you a warm Alabama welcome. Thank you for being so great to work with too.
Russell was very professional, helpful and always respectful during my mortgage processing.
Reply from Owner
August 19th, 2026 02:12 AM
Thank you. It was a pleasure helping you through this process. I'm always here when you need me.
Russell is absolutely amazing. He knows how to be as patient, informative, and resourceful in helping his clients. A great person to take care of any of your needs!
Reply from Owner
August 19th, 2026 02:15 AM
I appreciate your kind review Raiden. Thank you for trusting my team and me to guide 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.