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
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Caring about his clients
Overall service, and support in anwering all my questions.
Russel was patience to answer all questions we had and was always available when needed. always got back to us quickly whenever we reached out.
Russell was super available for any and all questions. Russell was also very pleasant to talk to and very patient. I was impressed with the level of communication Russell provided making sure he kept me in the loop at each step.
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Russell was always available whenever we had any questions. With every question we asked, Russell was always very helpful and he ensured that we had a full understanding of the process prior to moving forward . In addition to that, he had a...
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The effort made to make thing happen.
Russell and his team made the lending process easy and streamlined for me! 10/10!
Russell made every step of way so easy z out process was a difficult one and he walked us through every step and explained any questions we had to insure we knew exactly what was happeneing every step of the way!
Fast and efficient
Russell was great at keeping me up to date, was always willing to answer my questions, and fought for me the whole way
81–90 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
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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.