---
canonical_url: https://lendb.ai/lo/dwayne-graham-243824
json_url: https://lendb.ai/lo/dwayne-graham-243824.json
nmls_id: 243824
last_verified: 2026-10-10
---

# Dwayne Graham

Branch Manager at Lower, Sugar Land, TX. NMLS ID 243824 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243824)).

**Summary:** Dwayne Graham (NMLS 243824) is Branch Manager at Lower, based in Sugar Land, TX. Lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer, Jumbo loan, Real estate investor and VA loan. States 20 years of experience. Last verified 2026-10-10.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham, verified 2026-10-10)
- Licensed in: Texas (TX, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-10. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham

## About

Dwayne Graham has over 20 years in mortgage lending across Houston and surrounding areas, with listed focus on first-time buyers, VA, FHA, jumbo and investment loans.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham, verified 2026-10-10.
- service_area: Houston and surrounding communities. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Sugar Land, TX. Source: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243824

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham
- Office phone and Email on file: shown at https://lendb.ai/lo/dwayne-graham-243824#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243824
- lender_site: https://www.lower.com/loan-officers/texas/sugar-land/dwayne-graham

Cite as: Dwayne Graham (NMLS 243824), Lower. LenDb.ai, https://lendb.ai/lo/dwayne-graham-243824, last verified 2026-10-10.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._