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
My experience working with Tim on my mortgage was outstanding! I was moving from out of state, and everything was completed online and communication via email, text, and phone. Tim explained everything very thoroughly and made it very easy...
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Reply from Tim Summers
July 28th, 2026 03:56 PM
Dustin, I'm grateful for your kind words and pleased that you found the process easy to understand. Thank you for recommending me!
Tim was very thorough and informative throughout the entire process . His communication was top-notch, and he was quick to answer any questions we had. He stayed ahead of the game through every step and every step was executed in a very timely...
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Reply from Tim Summers
July 28th, 2026 03:57 PM
It's great to know that my communication and thorough approach made a positive impact. Thank you for sharing your experience!
The entire process was incredibly smooth from start to finish. Communication was excellent, and every question I had was answered quickly and clearly. The combination of professionalism, responsiveness, and guidance made buying my home much...
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Reply from Tim Summers
July 21st, 2026 04:39 PM
Ty, I appreciate your kind words and am pleased that you found the process smooth and well-communicated. It's great to know that my guidance and responsiveness helped make your home buying experience less stressful. Thank you for recommending...
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Working with our mortgage lender was an outstanding experience from start to finish. He made what can often be a stressful process feel easy and manageable by keeping us informed every during the entire process
Reply from Tim Summers
July 21st, 2026 04:39 PM
Dennie, I'm happy to hear that your experience with the mortgage process was smooth and manageable. Keeping you informed every step of the way is important to me, and I'm thankful for your positive feedback.
Tim was a very plesant guy to work with! He made everything very easy! Would recommend him to anyone!
Reply from Tim Summers
July 1st, 2026 08:22 PM
Thank you for your kind words, Lynnley! I'm happy to hear that you found the process easy and pleasant. Your recommendation means a lot to me.
very informative, responsive, and respectful highly recommend
Reply from Tim Summers
July 1st, 2026 08:22 PM
Nathan, thank you for your kind recommendation. I'm happy to hear that you found the experience informative and that my responsiveness and respect were appreciated.
Tim Summers was incredibly knowledgeable throughout the entire loan process and made us feel comfortable every step of the way. As first-time homebuyers, we had a lot to learn about home loans, and Tim took the time to patiently explain everything...
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Reply from Tim Summers
July 1st, 2026 08:24 PM
Joseph, I'm grateful for your thoughtful review. It's wonderful to know that my guidance helped make the loan process more comfortable and understandable for you as first-time homebuyers. I'm also pleased that the online process was convenient...
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The transaction was very smooth. Made it just as simple and easy as possible. Fit with my schedule so well.And I greatly appreciate all that they've done.
Reply from Tim Summers
June 15th, 2026 03:37 PM
Marshall, I'm happy to hear that the transaction was smooth and fit well with your schedule. I appreciate your kind words and am thankful for the opportunity to assist you.
Tim kept the loan application moving foward when issues presented themselves. Also offered great advice.
Reply from Tim Summers
June 15th, 2026 03:38 PM
Shawn, I appreciate your feedback. I'm pleased to know that I could keep the loan application on track and provide helpful advice when needed. Thank you for sharing your experience!
Tim & his team went above and beyond. They jumped over hurdles that were tossed my way to get me to the finish line. Wonder group to work with!!!
Reply from Tim Summers
June 9th, 2026 07:52 PM
Wendy, I'm grateful for your kind words. It's good to know that my team and I were able to help you overcome any hurdles and reach the finish line. Thank you for sharing your experience with us!
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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.