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 is always great and very helpful. He is very approachable and makes sure the process is seemless.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks so much for allowing me to help you again. I appreciate your kind words and glad you found our process to be seamless.
Communicating back and forth
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
It was a pleasure helping you. Communication is very important and my team makes it our goal to communicate effectively and often. Thanks for allowing us to assist you.
Ease of use in terms of tools and processes and continuous communication was wonderful. Russell was always available for questions and made the whole experience very pleasant.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. I’m glad the process felt smooth and communication stayed clear throughout. It was a pleasure helping you, and I appreciate the trust you placed in me.
Excellent servive and followup
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you. I appreciate the kind words and am glad you had a great experience. It was a pleasure helping you through the process.
I really didn't have much to do but give all my information
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you. That’s exactly the experience we aim to provide. Once we had your information, we worked hard behind the scenes to keep everything smooth and stress free for you. I appreciate the opportunity to help.
Communication and understanding!
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. Clear communication and making sure clients feel informed and understood are always top priorities for me. I appreciate the opportunity to help.
Russell is a very personable individual. He listen and addressed all of concerns. I find Russell to be a honest person and sincere person. It was definitely a win working with him.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much for the kind words. It was truly a pleasure working with you. I’m glad I could help address your concerns and make the process a positive experience. I appreciate your trust and support.
Smooth sailing and dealing with issues like a champ. Very good at communicating what and why things are needed and at what time in the process.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. I’m glad we could keep the process smooth and help navigate any issues along the way. Clear communication is always a top priority, and I appreciate the opportunity to help.
I'm grateful for the help in answering questions and walking us through everything
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. I’m glad I could help answer your questions and guide you through the process. I truly appreciate the opportunity to work with you.
Very easy to work with. Made it very easy to understand everything we didnt know going into buying a house. Responded in a timely maner when communicating and took the time to work with us late some nights.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. I’m glad we could help make the process easy to understand and be there when you needed us throughout the homebuying journey. I appreciate the trust you placed in me and my team.
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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.