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
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
Getting everything done in a timely manner, m even outside of normal business hours, to be at the closing, and working diligently at any changes that came up during the process really stood out to us
Jeremy H.
Verified Customer
June 15, 2026
Thank you for making the process of buying our home so smooth. We appreciated the quick responses and communication throughout the entire process.
Brooke H.
Verified Customer
June 14, 2026
Great communication.
Andrea B.
Verified Customer
June 14, 2026
David locked in a great rate - he was on the ball
Terry H.
Verified Customer
June 9, 2026
Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.
Bradley C.
Verified Customer
May 26, 2026
Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.
Bradley C.
Verified Customer
May 26, 2026
Dave was great to work with. Great communication and always available when we had questions. He was very helpful in finding the best option for us to be able to purchase our home!
Cara W.
Verified Customer
May 22, 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.