Tim Szumigala
VP of Lending
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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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
We had a great experience with our mortgage lender. Communication was excellent from start to finish, and they kept us on track throughout the entire process. Everything was explained in a way that was easy to understand, so we always knew...
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I cannot express how much of a pleasure it was to work with lower mortgage co. I am a 65 year old man that has not purchased any type of real estate in a long time. They aexplained everything that needed to be done for me to purchase a condo....
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Reply from Tim Szumigala
August 7th, 2026 07:19 PM
Matthew, I'm pleased to hear that working with Lower was a positive experience for you. It's great to know that the team was patient and supportive throughout your condo purchase. Your recommendation and kind words are truly appreciated.
Tim is awesome!! easy to get a hold of and anything you need he's right there to get it done in a timely manner.
Reply from Tim Szumigala
July 31st, 2026 05:54 PM
Brian, I'm pleased to know that you found it easy to reach me and that I could assist you promptly. Thank you for your positive feedback!
Tim is one of the best in the busines. He promi me to close in three weeks. And due to his effort ,we were able to close in record time. Thanm you Tim and his tram.i will recommend Tim to any of my friends and family who is looking to get Mortgage...
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Reply from Tim Szumigala
July 21st, 2026 01:32 PM
Nilesh, I'm pleased to hear that you had a positive experience with my service. Your recommendation means a lot to me, and I'm grateful for your kind words about my dedication and support. Thank you for trusting me with your mortgage needs!
Good communication very eas
Reply from Tim Szumigala
July 20th, 2026 05:45 PM
Thomas, I appreciate your feedback on my communication. It's great to know that you found the process easy. Thank you for your review!
Tim,Did alot of work to get us across the finish line,under my circumstances.If i need another loan down the road ,he would be the one to call! Thanks again...Kurt & Teri...we'll done!
Reply from Tim Szumigala
July 6th, 2026 05:33 PM
Kurt, I'm grateful for your kind words and trust in my work. It was a pleasure helping you and Teri, and I'm here whenever you need assistance in the future. Thank you for choosing me!
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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
Jumbo Home Loan
Mortgage Refinance
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 344571
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.