---
canonical_url: https://lendb.ai/lo/timothy-summers-64124
json_url: https://lendb.ai/lo/timothy-summers-64124.json
nmls_id: 64124
last_verified: 2026-10-10
---

# Tim Summers

Branch Manager at Lower, Franklin, KY. NMLS ID 64124 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64124)).

**Summary:** 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. Earliest state license record: September 30, 2026 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: September 30, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), Tennessee (TN, 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 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers
- **USDA loan** (`usda`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers
- **VA loan** (`va`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers

## 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.

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

## Video intro available

Tim has a short recorded video intro on Lower's site.

Watch on Lower's site: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers

The recording is hosted by the lender; LenDb does not copy or transcribe it. Verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO151305 | active | confirmed | 2026-09-30 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Franklin, KY. Source: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers, 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/64124

## Contact

- View profile at Lower: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers
- Office phone and Email on file: shown at https://lendb.ai/lo/timothy-summers-64124#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/64124
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/kentucky/franklin/tim-summers

Cite as: Tim Summers (NMLS 64124), Lower. LenDb.ai, https://lendb.ai/lo/timothy-summers-64124, last verified 2026-10-10.

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