Tim Summers
Branch Manager at Lower · Franklin, KY
NMLS ID 64124 (opens in a new tab) · verify at NMLS Consumer Access
Tim Summers (NMLS 64124) is Branch Manager at Lower, based in Franklin, KY. Licensed in Florida, confirmed with the state regulator (license LO151305). Also lists Alabama, Georgia, Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, USDA loan, VA loan and First-time buyer. Licensed since 2026 (per Florida records). States 30 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator, the loan officer's recorded intro and NMLS Consumer Access (license status, check live).
- Licensed since 2026 (per Florida records)
- 30 years experience (stated)
- 5 states
- Video intro
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: lower.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Contact
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Employment history
Lower NMLS 1124061
Current · Franklin, KY · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Video intro available
Tim has a short recorded video intro on Lower's site.
Watch on Lower's site (opens in a new tab)
The recording is hosted and published by Lower. We don't copy or transcribe it. Verified 2026-10-10.
About
Tim Summers has over 30 years of mortgage experience and says they specialize in USDA, VA and FHA loans, with a focus on helping first-time home buyers.
Our summary of the lender page. Verified 2026-10-10.
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Specialties | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Video intro | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Tim Summers (NMLS 64124), Lower. LenDb.ai, https://lendb.ai/lo/timothy-summers-64124, last verified 2026-10-10.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.