Cindy & Heath Hammond
Branch Manager/Loan Officer
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L...... Show More
Location & Business Hours
Friday
9:00 AM to 5:00 PM
Saturday
closed
Sunday
closed
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Reviews from Web
Heath and Cindy stepped in to help when the loan processor that started the loan was no longer with the company. They worked with the new processor to ease the process of closing the
Great people!
Cindy and Heath were always very quick to get back with us on all of our questions. They were great at communicating the bumps in the road when we ran into them and made us feel confidient in our decisions. I really appreciate all the work,...
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Cindy & Heath Hammond has received a review with 5 star rating from Caleb C
They were very helpful and professional I'm glad I got to go through them to buy my first home!
Reply from Cindy & Heath Hammond
May 18th, 2026 03:41 PM
Caleb, I'm happy to hear that you found our help and professionalism beneficial during your first home purchase. It's appreciated to know that we could be a part of such an important milestone for you.
Cindy and Heath are great. They are make you feel like family and you can trust what they tell you. They will always have my business.
Reply from Cindy & Heath Hammond
May 14th, 2026 05:03 PM
Ronald, I'm glad to know that you felt like family and could trust what Cindy and Heath shared with you. Your commitment to continuing business with us is truly valued.
Cindy & Heath consistently anticipated my needs ahead of time. They were thorough and went above and beyond.
Reply from Cindy & Heath Hammond
May 11th, 2026 01:21 PM
Stephanie, I'm pleased to know that Cindy and Heath could anticipate your needs and go above and beyond for you. Your feedback on their thoroughness is greatly appreciated.
Cindy and Heath were fantastic to work with! We first reached out to Heath on a Saturday evening, and he called us back right away, taking the time to clearly explain the entire process. Cindy is incredibly detail-oriented and attentive—every...
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Reply from Cindy & Heath Hammond
May 8th, 2026 01:07 PM
Hayden, I'm thankful for your kind words about working with me and Heath. It's great to hear that our prompt communication and attention to detail made a positive impact on your experience. Your recommendation means a lot, and I'd be happy...
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Heath responded to all communications, if he did not have answer he seeked it out timely. Very communicable, very pleasant and easy to work with. Would use them again when needed.
Reply from Cindy & Heath Hammond
April 28th, 2026 03:06 PM
Ross, I'm grateful for your kind words about Heath's communication and dedication to finding answers. It's nice to know you found working with us pleasant and easy. Thank you for considering us for your future needs.
Felt like dealing with family
Reply from Cindy & Heath Hammond
April 27th, 2026 03:50 PM
Cindy, I'm pleased to hear that your experience felt like dealing with family. Creating a welcoming and supportive environment is important to me, and I'm glad it resonated with you.
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
USDA Loans
Non-QM
DSCR Loans
Specialities
One Time Close Construction Loans
Search Rank ScoreLearn More →
536
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 164102 | NMLS 1218079
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.