David Thornton
Sr. Loan Officer
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NMLS ID# 1515638
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About David
I am a lifelong resident of Polk County and have served the Central Florida public for over 35 years. I am married and we have one beautiful daughter. She is a graduate of The University of Central Florida and is pursuing her CPA license. I love the outdoors and all the local sporting activities. I understand how stressful and how many lives your mortgage process affects. I will personally handle your transaction from start to finish with integrity and transparency, updating you throughout the entire process. Rest assured, I am dedicated to providing world-class service and the very best products available in the mortgage industry. You and your needs will always come first. You are more than just a customer or client. You will be a friend and become part of the Lower family. We will always be there for you before and after your closing to answer any questions or concerns.
I am licensed in: GA, FL, MI
This is the second time we have used Dave’s assistance with purchasing the home. He goes above and beyond such a pleasure to work with him.
Michael G.
Verified Customer
August 24, 2026
is the second home we have purchased with the assistance of Dave. He goes above and beyond and an absolute pleasure to work with.
Reginal G.
Verified Customer
August 24, 2026
Brice P.
Verified Customer
August 24, 2026
He's always gone the extra mile for me and all my clients. We've succesfully closed over 100 deals in the last several years and he's never let me down. He's saved countless deals that were dead and revieved many that were lost to other lenders shortcommings. His best asset is his communication, always undating and keeping all concerned in the loop. He's always available nights and weekends and truly goes the extra mile on every transaction. Save yourself the heartache and call him first. Thanks Dave for protecting me and all of my clients. Your one of a kind!
Brad M.
Verified Customer
August 21, 2026
By far the best lender to work with.
Cindy T.
Verified Customer
August 16, 2026
Dave is easy to talk with and is very kind. Trust is important when it comes to clients finances and Dave is certaimly trustworthy
Angela P.
Verified Customer
August 13, 2026
David and his team were supportive in all areas of our transaction. Complete details were given and communication could not have been any better Making our home purchase a smooth process.
Karene R.
Verified Customer
July 16, 2026
Amy K.
Verified Customer
June 30, 2026
Wendy and David were so supportive. They "carried" me over the finish line! I would refer this company to everyone!
Amy K.
Verified Customer
June 30, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.