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
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.
This was the second time that I had looked to Tim Summers on a home loan. Tim and his team were wonderful to work with and were able to answer any questions we had without issues or delay. I have recommemend him to several people and will continue...
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Reply from Tim Summers
August 16th, 2026 12:56 AM
Whitney, I appreciate your kind words and continued trust in me for your home loan needs. It's nice to know that you found my team and me helpful in answering your questions promptly. Thank you for recommending me to others; it truly means...
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Very easy to work with Tim.
Reply from Tim Summers
July 28th, 2026 03:54 PM
Andrew, I'm happy to hear that you found it easy to work with me. Thank you for your kind feedback!
I now have a better understanding of how this works thano to Tim who broke things down for someone who only had a general idea of how the home buying process goes!
Reply from Tim Summers
July 28th, 2026 03:55 PM
Thank you for your kind words and for sharing your experience!
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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.