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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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
If you decide to work with Russell you may be surprised at how far he will go for you. Answering every question we had about financing our new home professionally and passionately. Thanks Russell!
Reply from Owner
August 19th, 2026 02:18 AM
Thanks Hunter! I truly care about my clients and always want you to understand your options and feel comfortable with the decisions you’re making. Questions are always welcomed. I really appreciate the kind words!
Russell has went above and beyond to make this journey as smooth as possible. He has made himself available to answer any and all questions during the process. Great communication and easy going! Would highly recommend him!
Reply from Owner
August 19th, 2026 02:20 AM
Thank you so much! I really appreciate the kind words and your trust throughout the process. It was a pleasure working with you, and I’m glad I could help make everything as smooth as possible.
10/10 would highly recommend russle for your mortgage needs!
Reply from Owner
August 19th, 2026 02:22 AM
Thanks Ethan! I appreciate your strong recommendation and glad we were able to deliver for you.
We had a fabulous experience working with Russell. He and his team were always kind and courteous. They explained everything very well and we always knew exactly where we were in the process. It was smooth and easy! Highly recommend!
Reply from Owner
August 19th, 2026 02:24 AM
Thank you so much for allowing my team and me to help. It was our pleasure. Service is something we emphasize and I'm glad we delivered for you.
I would recommend doing bussiness with Russell Carmichael he made getting approved an easy process and also made our home buying process a breeze
Reply from Owner
August 19th, 2026 02:27 AM
Thank you for your awesome review Ryan. Smooth and easy is the goal with every deal. You guys were awesome to work with too, which allowed us to get clear to close very fast.
Russell is an outstanding profesional. He provides the utmost attentive support and worked diligently to ensure all details were attended to for me and my family . 😀 thanks again for your attention to detail, and all the help!
Reply from Owner
August 19th, 2026 02:29 AM
Thank you so much! It truly means a lot to me that you trusted me to help you and your family. I’m glad I could help make sure everything was taken care of throughout the process. It was a pleasure working with you all!
Couldn't ask for a more responsive Loan officer!
Reply from Owner
August 19th, 2026 02:30 AM
Thank you so much! Being available and responsive to my clients is really important to me. I truly appreciate you trusting me to help!
Great guy to work with. Very responsive and knowledgeable with every question I have had for him.
Reply from Owner
August 19th, 2026 02:31 AM
Thank you so much! I really appreciate the kind words. I’m always happy to answer questions and help however I can.
Russell Carmichael is an absolutely wonderful mortgage lender! He is knowledgeable, responsive, professional, and made the entire process so much easier than I expected. I’ve recommended him to all my friends!
Reply from Owner
August 19th, 2026 02:32 AM
Thank you so much Izzy! It was a pleasure working with you, and I’m so glad I could help make the process easier than you expected. Your trust and recommendations mean more to me than you know. Thank you again!
Always knowing where we were in the process. Excellent communication. Kind and pleasant interactions that felt very personal.
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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.