Valeria Knowles
Loan Advisor
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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Business Hours
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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As a first time buyer Valeria made the whole process smooth for me! She constantly checked in and made sure I never felt like I had unanswered questions or doubts. I would definitely recommend her to anyone whether they're first time buyers...
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Reply from Valeria Knowles
June 15th, 2026 05:32 PM
Adriana, I'm glad to know that I could make your first-time buying experience smooth and reassuring. It's important to me that you felt supported and informed throughout the process. Thank you for recommending me; it truly means a lot.
I literally had the best lender in the world right along with the best realtor. Working alongside the both of them , made this journey a walk in the park ! If i had to do it again I'd choose Lower Mortage (Valerie Knowles ) and realtor (Kayla...
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Reply from Valeria Knowles
May 5th, 2026 06:46 PM
Shalindra, I'm grateful for your kind words and glad to hear that working with Kayla and me made your journey so smooth. It's appreciated to know you would choose us again for such an important milestone. Thank you for allowing me to be part...
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She kept a close eye on the entire process, shared all the information in a timely manner, and explained every step of the process to me in detail to make sure I understood the information
Reply from Valeria Knowles
April 28th, 2026 02:42 PM
Katherine, I appreciate your kind words and am glad to hear that you felt well-informed throughout the process. It's important to me that you understood every step, and I'm pleased I could assist you effectively.
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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# 1784314
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.