Ryan Stelzer
Lower, LLC
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
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9 AM to 5 PM
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9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
From beginning to the end Ryan made the process very simple and smooth. Was very pleasant to work with and answered all my question along the way.
Reply from Ryan Stelzer
September 4th, 2026 01:56 PM
I'm happy to hear that the process was simple and smooth for you, James. It's great to know that I could answer all your questions and make the experience pleasant. Thank you for your kind words!
Very knowledgeable, rapport is great.
Reply from Ryan Stelzer
May 18th, 2026 06:24 PM
Thank you, Mark, for your kind words. I'm pleased to know that my knowledge and rapport made a positive impact on your experience. If there's anything more I can assist with, please let me know.
Ryan was very pleasant to work with. Very informative and helpful.
Reply from Ryan Stelzer
May 12th, 2026 01:43 PM
I'm grateful for your kind words, Melissa. It's nice to hear that you found our interactions informative and helpful. If you have any more questions or need further assistance, please feel free to reach out.
I wished Ryan could've showed up for my signing of all those documents, which I still haven't received that Grace said she would email over, all in all it was a good experience.
Reply from Ryan Stelzer
March 31st, 2026 04:22 PM
Thank you for sharing your feedback, Stephen. I apologize for not being there during your document signing and for the delay in receiving the email from Grace. I'll ensure to follow up on that quickly. I’m glad to hear that overall it was a...
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He was very helpful and knowledgeable. It was very easy to work with him. Thank you Ryan.
Reply from Ryan Stelzer
March 5th, 2026 07:06 PM
I'm pleased to know you found my assistance helpful and the process straightforward, Duane. If you ever need further support or have questions down the road, feel free to reach out.
Ryan did the best
Reply from Ryan Stelzer
March 5th, 2026 07:06 PM
Thank you for your kind words, Justin. I'm glad to hear you were pleased with the service. If you have any other questions or need further assistance in the future, feel free to reach out.
Timey on respose worked really hard to make sure I had everything I wanted to get out of our refinance always ansered emailed in a very timely manner
Reply from Ryan Stelzer
March 5th, 2026 06:59 PM
It's great to know that my timely responses and efforts helped in your refinance process, Robert. I'm pleased to hear that everything went smoothly for you. If you have any more questions or need further assistance, don't hesitate to reach...
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Ryan was thorough, timely, professional. Had great answers when I asked questions, was patient with our decision-making. Would recommend him if a fr hhh
Reply from Ryan Stelzer
March 5th, 2026 07:07 PM
I'm glad to know that you found my approach thorough and professional, Daniel. It's important to me that your questions were answered clearly and that I was able to support your decision-making process. Thank you for your recommendation. If...
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Very informative, Ryan kept me updated of every step of the process as well as what to expect moving forward
Reply from Ryan Stelzer
November 3rd, 2025 02:50 PM
Keeping you informed every step of the way is an important part of my work, and I'm pleased to hear that it made the process clearer for you. If there’s anything else you need as we move forward, don’t hesitate to reach out.
Ryan answered questions in a timely manner and jept us up to date on process
in the future, I would advice talking to clients about purchsingbpoibt prior to closing. This was a bit of a shock to us
Reply from Ryan Stelzer
November 3rd, 2025 02:50 PM
I appreciate your feedback on staying informed throughout the process. I'm glad to have been able to provide timely updates and answer your questions. Your point about discussing purchasing points before closing is noted, and I will certainly...
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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
Specialities
Conventional, FHA, and VA for both purchase transactions and refinances
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 800445
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.