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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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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His quickness!
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks Oky! It was a pleasure helping you.
All the help you provided to us thank you so much
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks Jose. It was my pleasure. I hope you guys enjoy your new home for many years to come.
Russells communication and way of explaining things was wonderful
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks Callie! It was my pleasure. Thank you for allowing my team and me to assist.
Russell was easy to communicate with, especially at the times when it counted. He provided regular updates and answered every question I had. He guided us through a smooth process that made buying our house a pleasure. I'd recommend him and...
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Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Kevin, thank you for sharing your experience with me. I'm glad to hear that the communication and updates met your expectations during the home-buying process. It was my goal to ensure everything went smoothly for you. If you ever have more...
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Russell was great to work with as my loan officer. He took the time to explain every step, kept me informed, and made the financing side of buying my home smooth and stress free
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thank you so much for the kind words. It was a pleasure helping you through the process and I hope you have many years of happiness in your new home.
Never had to guess or worry about what needed to be done , good communication.
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks for your trust and allowing my team and me to assist you. It was our pleasure. Enjoy your new home!
Russell went above and beyond for us
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
It was my pleasure. You guys were awesome to work with. Hope you enjoy your home for many years to come.
Every question was answered in a prompted manner, , was shown respectfully and honestly, overall experience was extremely great, thanks to you and the team for helping the Hogeland family purchase their forever home
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
It was truly a pleasure helping your family. I appreciate the trust you guys put in me to help every step of the way. Hope you have many years of happy memories in your new forever home.
We had a phenomenal experience working with Russell as our mortgage lender! From start to finish, he made the process smooth, safe, and stress-free. His communication was excellent—always clear, timely, and professional. He took the time to...
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Reply from Russell Carmichael
August 11th, 2026 07:35 PM
I'm genuinely grateful to hear about your positive experience, Raiden. It was a pleasure assisting you through your mortgage process. I'm glad that the communication and detailed explanations helped simplify things for you. Ensuring a smooth...
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Knowledge in all aspects of the loan process. Able to answer my questions quickly and was readily available to me During entire loan process
Reply from Russell Carmichael
August 11th, 2026 07:35 PM
Thanks so much. It was a pleasure working with you.
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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.