Specialized Mortgage Solutions

Flexible lending solutions designed to support a wide variety of homebuyers and investors.

Your Local Mortgage Professionals

Helping you navigate every step of the homeownership journey — from first home to forever home.

Marc Creach
Sr. Loan Officer

NMLS ID# 980636

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Erica Hilla
Sr. Loan Officer

NMLS ID# 958132

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Becky Sikorski
Sr. Loan Officer

NMLS ID# 355986

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David Thornton
Sr. Loan Officer

NMLS ID# 1515638

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Jimmy Seewald
Sr. Loan Officer

NMLS ID# 2315782

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Erick Martinez
Branch Manager, VP

NMLS ID# 1014606

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Zach Mick
Sr. Loan Officer

NMLS ID# 1715872

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Jose Icaza
Sales Manager

NMLS ID# 1566198

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Elizabeth Goetsch
Sr. Loan Officer

NMLS ID# 1842479

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Bill Lund
Sr. Loan Officer

NMLS ID# 613656

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Jeff Marsack
Regional Manager

NMLS ID# 136883

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NMLS ID#1124061

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Lower, LLC DBA Lower, Mortgage | 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.