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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
I made it very clear to Ryan that I would not refinance if it meant closing my HELOC. He told me that there was a subordination process to keep it open. He told me that process was handled between the 2 financial institutions and I would not...
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Reply from Ryan Stelzer
March 18th, 2025 04:57 PM
John, I am truly sorry to hear about your experience and the stress it has caused for you and your family. I understand how crucial the HELOC was as a safety net, and it was never my intention to let this happen. I want to assure you that I...
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We needed help to take care of our mounting credit card debt, and Ryan was very helpful. He knows the refinancing business and helped us with many decisions and he helped us understanding the timing of these decisions. He was pleasant to talk...
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Reply from Ryan Stelzer
January 8th, 2025 08:08 PM
Hey Sidney, Thank you for the fantastic review and the full 5-star rating! I'm thrilled to hear that I was able to assist in managing your credit card debt and that the refinancing process went smoothly for you. It's always my goal to make...
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Everything was pretty fast and efficient. I do wish we coulda paid more bills down. But what we did get really helped out.
Reply from Ryan Stelzer
January 8th, 2025 08:09 PM
Really appreciate your review, Tony. It's great to hear that you found our services at Oxford Home Lending fast and efficient. We're constantly working on our offerings to ensure we help our clients as much as possible, so your feedback about...
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Ryan was wonderful to work with and he was an advocate for us!
Reply from Ryan Stelzer
January 8th, 2025 08:09 PM
I'm thrilled to hear that you had such a positive experience, Carrie. Advocating for customers like you is something I take seriously and it's great to know it resonated with you. I'll always strive to keep that standard for every customer...
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Ryan was responsive and informative
Reply from Ryan Stelzer
January 8th, 2025 08:10 PM
It's great to hear that you found my responses informative and prompt, Gary. Your positive feedback means a lot, and it's customers like you who make working at Oxford Home Lending so rewarding. Thank you for taking the time to share your 5-star...
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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.