TJ Kennedy, photo from Lower

TJ Kennedy

President at Lower · Greenwood Village, CO

NMLS ID 372544 (opens in a new tab) · verify at NMLS Consumer Access

TJ Kennedy (NMLS 372544) is President at Lower, based in Greenwood Village, CO. Lists Colorado on the lender page (not yet checked with the state regulator). Lower also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus).

Last verified . Sources: Lower (lower.com) and NMLS Consumer Access (license status, check live).

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), USDA loan, VA loan and Vacation home. Programs Lower offers (verified 2026-10-10). Lender-level: not confirmed as Tj's own focus, so ask.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Colorado

    Lender-reported: CO is listed on the lender page, not yet checked with the state regulator.

    Contact

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    Employment history

    1. Lower NMLS 1124061

      Current · Greenwood Village, CO · 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).

    About

    TJ Kennedy is a Colorado native who worked with their father in rental property handling and accounting. They volunteer to build homes in Mexico and with Habitat for Humanity.

    Our summary of the lender page. Verified 2026-10-10.

    Community
    Volunteers to build homes in Mexico and for Habitat for Humanity
    Source (opens in a new tab), verified 2026-10-10

    Sources

    Name and employerlender site · lower.com (opens in a new tab)verified 2026-10-10
    Licensed stateslender site · lower.com (opens in a new tab)verified 2026-10-10
    Lender programslender site · lower.com (opens in a new tab)verified 2026-10-10
    Summarylender site · lower.com (opens in a new tab)verified 2026-10-10
    Contactlender site · lower.com (opens in a new tab)verified 2026-10-10
    Photolender site · lower.com (opens in a new tab)verified 2026-10-10
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: TJ Kennedy (NMLS 372544), Lower. LenDb.ai, https://lendb.ai/lo/tj-kennedy-372544, last verified 2026-10-10.

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