Tim Szumigala
VP of Lending | NMLS# 344571
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
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9 AM to 5 PM
Thu
9 AM to 5 PM
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Tim was great! Always available and knowledgeabl. highly recommend
Tim was great! He provided us with the guidance we needed as first time home buyers. He was easily accessible whenever we had questions and was always willing to help no matter the time or day.
Tim was very responsive and answered all my questioned before and after closing. He helped me close within 30 days despite multiple obstacles. He gave me a competitive rate, and was able to lock in the rate before it went up. He is an expert...
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Tim is very patient and understanding.
Reply from Tim Szumigala
September 18th, 2026 08:36 PM
Nathan, I'm happy to hear that you found me patient and understanding. It's important to me that your experience with Lower is positive and supportive.
Tim answered several questions for us and kept us apprised of necessary information that was needed in the fast moving closing
Reply from Tim Szumigala
September 16th, 2026 08:29 PM
Deborah, I'm pleased to hear that I could assist you by answering your questions and keeping you informed during the fast-moving closing process. Thank you for choosing Lower and for sharing your experience with me!
Tim and his team made it great!
Reply from Tim Szumigala
September 10th, 2026 02:19 PM
Marie, I'm glad to hear that you had a great experience with my team and me. Thank you for sharing your positive feedback!
There was a particular communication issue in regards to an important factor in the mortgage approval that created a delay in closing & considerable amount of stress for both the buyers, sellers and their realtors.
Mostly, his interest in doing his very best for me. It was altogether a most wonderful experience.
Reply from Tim Szumigala
August 28th, 2026 01:41 PM
Alice, I'm grateful for your kind words. It's nice to know that my dedication made your experience a positive one. Thank you for sharing this with me!
Great communication, simple step by step guidance through the process, and most of all, integrity. What was discussed, is exactly what happened, no changes, no surprises.
Reply from Tim Szumigala
August 28th, 2026 04:02 PM
Robert, I appreciate your thoughtful feedback. It's great to know that the communication and guidance met your expectations, and I'm pleased that everything went smoothly for you. Thank you for highlighting the integrity of our process.
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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
Eastern Standard Time (EST)
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.