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2024 Lower, LLC dba Universal Lending Home Loans | Lower, LLC is a subsidiary of Lower Holding Company.  NMLS #1124061 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License--1000936 | Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License --  MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom,LLC; Oklahoma as “Lower Mortgage, LLC. Lower, LLC is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Community Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Homeside Financial, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, Lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies. All rights Reserved.