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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Russel answered all of our calls and questions. As first time home buyers, Russel made this experience low stress and easy.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. Helping first time homebuyers feel informed and confident throughout the process is always a top priority. I’m glad we could make the experience smooth and low stress for you both.
Helpful with filling out online forms, kept us updated on progress
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much. I’m glad we could help make the process easier and keep you updated every step of the way. I appreciate the opportunity to help with your home financing journey.
Great product and service
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you. I truly appreciate the kind words and the opportunity to help. It was a pleasure working with you.
We had a great experience with Fairway Home Mortgage from start to finish. The entire process was incredibly smooth and easy, which made what can usually be a stressful experience feel seamless. Russell communicated effectively throughout,...
read more
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much for the thoughtful review. I’m truly glad we could make the process smooth, simple, and less stressful for you. Clear communication and keeping things moving efficiently are always top priorities for my team and me. We appreciate...
read more
Everything about the whole process from start to finish was exactly how i wanted it to be. Russell and his team made everything so easy for me as a first home buyer and will definitely recommend them to family and friends!
read more
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much for the kind words. I’m glad we could make the process smooth and easy for you as a first time homebuyer. My team and I truly appreciate your trust and your willingness to recommend us to your family and friends. Congratulations...
read more
Russell is exactly the type of person you want to take care of your home financing. He is incredibly knowledgeable. He is always available to take your call. When things get stressful, he is the calm in the storm. More importantly, he gets...
read more
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much for the incredible review. It truly means a lot. Helping clients stay informed, confident, and calm throughout the process is always my goal. I sincerely appreciate your trust and loyalty, and I’m grateful for the opportunity...
read more
Russell made the process so easy and seamless!
Everything was explained very well and the frequent updates were helpful to keep up with everything. I don't have any folks that I know are shopping for a house at the moment but if I do I will be sure to point them your way.
The communication from Russell and his team is exceptional. Also they went above and beyond to help me get over unfoseen obstacles and walked me through each step of the process to resolve them! Russell and his team excel at what they do and...
read more
Great communication, always willing to help and answer any and all questions. Everything happened in a timely manner
51–60 of 98
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.