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
Russell and the rest of the team were all professional. They were prompt to respond, gave me regular updates, and always had an answer for my questions. The loan process was easy and quick, so much so that my closing was advanced a week early....
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Easy and stressful free he always answered my questions
Him an his team were very open an made the whole process easy an stress free
Just the overall experience was great
From the video introduction and throughout the process the care taken to enage at a personal level provided a level of comfort that is indescribable . Russell and his team communicated clearly, frequently and addressed every question, fielded...
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Reply from Russell Carmichael
August 12th, 2026 03:33 AM
Tony, I'm very grateful for your kind words and for recognizing the personal care and communication we strive to provide. It's good to know that our efforts made you feel comfortable throughout the process. Thank you for trusting my team and...
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Professionalism andTurn around time.
Reply from Russell Carmichael
August 12th, 2026 03:32 AM
Thank you for allowing my team and me to help you. It was our pleasure.
You helped us through each step and were very flexible with our schedule.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for the kind words! It was a pleasure helping you through the home financing process. We know life gets busy, so we're always happy to be flexible and work around our clients' schedules whenever possible. Thank you for trusting us...
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Russell and his team were competent, efficient and very helpful with all of our questions for our first time buying a home. we are so thankful for their help and guidance in the the process!
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for the kind words! My team and I truly enjoyed helping you with your first home purchase. Buying a home for the first time comes with a lot of questions, and we're glad we could provide the guidance and support you needed every step...
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Easy to talk with and great communication
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for the kind words! Clear communication is something my team and I take great pride in, so we're glad you had a positive experience. It was a pleasure working with you, and we truly appreciate the opportunity to help. Please don't...
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The team was truly wonderful. Highly professional and knowledgeable. The care taken to respond to any questions or needs in a timely and detailed manner was great!
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you! My team and I truly appreciate your kind words. Providing professional guidance, clear communication, and timely responses is always our goal, so we're glad that was reflected in your experience. Thank you for trusting us throughout...
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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.