Tim Summers - Lower Mortgage
Branch Manager | NMLS# 64124
Boasting over 30 years of mortgage expertise, I create tailored loan solutions that not only fulfill but surpass client requirements, establishing enduring partnerships grounded in trust, knowledge, and exceptional service. I specialize in ... 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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Reviews from Web
Tim explained everything, walked us through every step, and was detailed . The communication through the whole process was amazing !
Reply from Tim Summers - Lower Mortgage
November 3rd, 2026 02:46 PM
Mandy, I'm glad to hear that you appreciated the detailed explanations and communication throughout the process. Thank you for sharing your positive experience!
Tim and his staff are on topand very knowledgeable. Every step they told me to take, in every professional contact they put me in touch with was top notch.
Reply from Tim Summers - Lower Mortgage
October 29th, 2026 02:41 PM
I'm glad to hear that you found my guidance and the contacts at Lower helpful and knowledgeable. It's great to know that each step we recommended worked well for you. Thank you!
Tim led us through every step of our home buying process. We had steps that we need to take to fix things and he drew out a map for success that was so easy to follow. I would highly recommend Tim and Lower Mortgage to anyone looking to buy...
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Reply from Tim Summers - Lower Mortgage
October 23rd, 2026 04:49 AM
I'm glad to know that the guidance I provided made your home buying process smoother. Creating a clear path for success is something I strive for with each client at Lower. Thank you for your recommendation!
How fast he got it done
Reply from Tim Summers
October 1st, 2026 03:04 PM
Lane, I'm glad to hear that you appreciated the speed of the process. It's always a pleasure to deliver efficient service with the team at Lower. Thank you for your feedback!
Everything seemed to move great was super understanding and was not hard to understand
Reply from Tim Summers - Lower Mortgage
October 1st, 2026 03:03 PM
Timothy, I'm glad to know that you found the process smooth and easy to understand. At Lower, ensuring clarity and understanding is a priority for me and my team. Thank you for sharing your experience!
We had a great experience with Tim.
Reply from Tim Summers
September 29th, 2026 03:59 PM
It was wonderful working with you Brianna. Thank you for trusting in me!
Responsiveness and getting things completed efficiently.
Reply from Tim Summers
September 29th, 2026 04:01 PM
Ashley, I'm glad to know that you appreciated my responsiveness and efficiency. It's important to me and the team at Lower that we meet your expectations. Thank you for your kind words!
Tim was very responsive anytime we had a question and we knew where we were in the process every step of the way.
Reply from Tim Summers
September 28th, 2026 08:43 PM
Janet, I'm happy to hear that you felt well-informed throughout the process. Ensuring clear communication is important to me and the team at Lower. Thank you for your kind words!
Tim provided great advice and was very communicative, friendly, and caring. He ensured that my wife and I understood every step of the process and was happy to answer any questions we had.
Reply from Tim Summers
August 30th, 2026 12:17 PM
Blake, I'm glad to hear that you and your wife felt supported and informed throughout the process. I thoroughly enjoyed working with you & Lisa.
Clear communication throughout the whole process.
Reply from Tim Summers
August 19th, 2026 07:35 PM
Jonah, I appreciate your feedback about the clear communication. It's good to know that the process went smoothly for you.
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About
Boasting over 30 years of mortgage expertise, I create tailored loan solutions that not only fulfill but surpass client requirements, establishing enduring partnerships grounded in trust, knowledge, and exceptional service. I specialize in USDA, VA, and FHA loans with a passion for helping first-time home buyers navigate the path to homeownership. Backed by a strong history in credit repair and budget counseling to help clients qualify with confidence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Medical Professional Mortgages
USDA Loans
DSCR Loans
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Memberships
- RASK
- SCKAR
- Chamber of Commerce
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1996
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 64124
Achievements
- Presidents Club 2023, 2024, 2025
Hobbies
- Golfing
- Playing Poker
- Coaching Baseball
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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.