Cheryl Baldwin
Sales Manager
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NMLS ID# 1668094
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Cheryl
At Lower in Ft. Myers, FL, we believe that the journey to homeownership should be as smooth and rewarding as possible. Whether you’re buying your first home, refinancing, or exploring your options, my goal is to provide personalized guidance and creative solutions tailored to your unique needs. The mortgage process doesn’t have to be overwhelming—I’m committed to simplifying it and ensuring you feel confident every step of the way. With access to industry-leading tools and resources, I’ll work hard to find the right solution for your situation and help turn your dreams into reality. Let’s connect! I’m excited to learn more about your goals and help you take the next step toward homeownership. Together, we’ll make it happen. Reach out today, and let’s get started!
I am licensed in: FL, GA
Cheryl did a wonderful job keeping everyone informed and updated on the status of the file.
Jamie P.
Verified Customer
August 8, 2026
Her patience, Cheryl explaining and guiding my client step by step, was the best and most satisfying experience that any first-time homeowner can have. Thanks Cheryl
Eva F.
Verified Customer
July 30, 2026
Great job on my loans god bless you for your services
William I.
Verified Customer
July 23, 2026
I don’t have enough words to speak on how amazing Cheryl was in the purchase of my home. I thought it was impossible, and it was a goal that I had wanted for several years. When I connected with Cheryl, she set reasonable expectations but was encouraging throughout the entire time. She was patient when we looked through dozens of houses, responsive during crunch times, and supportive when we felt discouraged. Thanks to Cheryl and her team, I was able to close on a home in South Florida in 2026. Cheryl worked with us and made the numbers make sense for my household. I’m so grateful to have been able to have her on our side, and I would HIGHLY recommend her if you’re trying to buy a home.
Victoria H.
Verified Customer
July 19, 2026
knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping me get knowledgeable on what insurance and what policies and procedures to take and suggestions it was a great experience. I highly recommend them to anybody searching for a house. They make a smooth transitional process and they're there every step of the way to help outon what are the right steps to take and they're involved with every situation that I have to communicate with other professionals they have my back and they support me with the whole entire process. It was a beautiful experience very happy and blessed with being a first homebuyer thank you so much.
Devin R.
Verified Customer
July 9, 2026
Cheryl always does a great job!
Samantha M.
Verified Customer
June 25, 2026
Secured a very competitive interest rate , wonderful customer service, great team
Susan P.
Verified Customer
June 19, 2026
Cheryl walked me and my fiancé through the entire process of buying a home. She would stay on the phone with us untill both of us understood wnd and felt comfortable with the next steps!
Olivia D.
Verified Customer
June 10, 2026
Cheryl was great to work with!
Jack G.
Verified Customer
June 1, 2026
Cheryl was always available and able to answer all questions timely. The process itself was quick and easy. I loved the tracking in the app and electronic documents and signatures. Thank you!
Kristine F.
Verified Customer
May 29, 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.