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Navigating Home Loans with Integrity and Excellence

Over 20 Years of Trusted Mortgage Solutions

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

About me

Purchasing a new home can sometimes seem overwhelming as it is typically the largest purchase you make in a lifetime. Working with the right mortgage originator and company truly makes all the difference in the experience that partners and clients receive.

I grew up on a small farm in Central Missouri, where a strong work ethic and integrity were instilled in me from a very young age. My wife, Laurie, and I are now passing these same values along to our three children. After receiving a Bachelor’s Degree from the University of Missouri-Columbia, I was commissioned as a 2nd Lieutenant in the US Army Field Artillery. I served for four years in the Army, assigned to Combat Operations in Desert Shield and Desert Storm.

After leaving the Army, I worked in the Banking Industry and then in the Consulting Industry with Ernst & Young. In June of 2004, I opened a mortgage lending office in Osage Beach at the Lake of the Ozarks. With over 20 years of origination experience, I have been part of the ever-changing lending environment. I thrive, grow, and adjust my business systems so that my partners and clients can receive the highest customer experience available. I am proud to say that my business has always been 100% by referral. Delivering high-quality service and giving partners and clients something to refer to their friends and family is the #1 priority for my team and me.

I am not only a mortgage originator; I strive to be a “Mortgage Sherpa” and I expect to keep my clients for life. Please never hesitate to call with any questions you may have and, of course, any referral we can follow up with.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.93
4.98
Eugene
Oct 24, 2025
Camdenton, MO
Verified

Guild mortgage staff were fantastic. Ed, Cheryl all provided timely communication. Interaction with Ed's team, I can't say enough about . My wife and I highly recommend Guild mortgage for your purchase at the lake
Nancy C
Oct 23, 2025
Verified

Ed Lother and Guild Mortgage made the purchase of our new home so easy! Ed was so patient answering our questions and explaining the entire process. He made us feel as if we were so important!
Nancy
Oct 20, 2025
Sunrise Beach, MO
Verified

Ed walked us through the loan process and made everything clear! He was very patient with our questions as it had been 30 years since we purchased a home! I can't say enough good things about Ed!
Ashley B
Oct 21, 2025
Verified

Edward Lowther was fantastic to work with! He really made the whole lending experience so easy and seamless. We truly appreciate how efficient him and his team were to close by our deadline and with a great rate! For future mortgage needs, we will definitely use Ed and his team at Guild Mortgage.
Jane
Oct 20, 2025
Sunrise Beach, MO
Verified

work with a lot of high net worth clients and they often have very particular financing needs. Ed always knows the right way to help them structure their financing so that it benefits them in the long-term as well as the short term successful purchase of a beautiful Lake Home. I appreciate his advanced area of expertise so much. I don't know
Terry
Sep 30, 2025
Springfield, MO
Verified

They were always willing to explain things and were always pleasant to talk to. They kept on top of everything and kept us on top of everything. It was a very pleasant and stress free experiance.

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Awards

Scotsman Guide Award Scotsman Guide Award

Causes & Memberships

member of Guild Giving
NMLS ID #414029
I am authorized to do business in the states of Arkansas, Florida, Iowa, Kansas, Missouri, Tennessee and Texas.