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 was great to work with. He was great about working around my schedule and was always available to answer any questions I had.
Russell kept me in the loop about everything. He was very patient with the millions of questions I had and would answer the phone at pretty much any time of the day. There were multiple times where we thought we had a home and Russell would...
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Russell and his team were the best. excellent communication, answered all my questions, and moved quickly. As a first time home buyer, i am so lucky I found Russell. he made this a great experience
Response time was phenomena, user friendly app to upload documents
Communication and openness to explaining everything
Russell and his team’s meticulous attention to detail and patience throughout this process made this experience truly exceptional.
Always available, and he was also so helpfu!
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for your kind review, Anna. I'm always here to help if you need anything in the future.
His persistence in helping us and flexibility with the many changes we faced .
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for trusting me to help guide you through the process. It was a pleasure working with you guys.
Their willingness to work around our schedule and they made us feel like family. Answered all our questions swiftly.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Customer service is the cornerstone of my business. I appreciate the opportunity to work with you. If you have any future questions, please don't hesitate to reach out.
Ease of services, great communication
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you for allowing me to help you. If I can be of future assistance, please don't hesitate to reach out.
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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.