Cindy Hammond
Branch Manager
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
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Cindy is great! She is very fair and honest.
Cindy was there for us throughout the entire process even while she was on vacation. She is amazing!
Always there when I needed questions answered. And got back to me as soon as she could
Reply from Cindy Hammond
August 14th, 2026 07:56 PM
Thank you so much Triston for you review! I truly appreciate! Reach out anytime you need anything!
Cindy has been so kind and helpful through our challenging and sometimes messy situation. Great advice and attentiveness.
Reply from Cindy Hammond
August 10th, 2026 04:00 PM
Adam, I'm thankful for your kind words. I'm pleased that I could offer helpful advice and support during your challenging situation. If you ever need further assistance, feel free to reach out.
Cindy was amazing! We were first time homebuyers, and Cindy walked us through the process step-by-step. She was available to answer our many questions and has a great attitude!
Reply from Cindy Hammond
August 10th, 2026 07:04 PM
Henry, I'm grateful for your kind words. I'm pleased that I could guide you through the homebuying process and answer your questions. It's nice to know that my attitude made a positive impact on your experience.
Cindy was very easy to work with and always responsive. She made the loan process smooth and stress free!
Reply from Cindy Hammond
August 7th, 2026 02:40 PM
Kamila, I'm glad to hear that you found working with me easy and that the loan process was smooth and stress-free. I appreciate your kind words about my responsiveness.
Cindy Hammond has received a review with 5 star rating from Susan D
Reply from Owner
July 21st, 2026 12:12 PM
Thank you so much for your feedback!
Cindy's approach was courtoues and personable .She communicated in a way that treated people like people instead of just another client. In other words she talked and interacted with people with the dignity and respect one human should to another...
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Reply from Cindy Hammond
July 27th, 2026 04:29 PM
David, I appreciate your thoughtful feedback. It's great to hear that my approach made you feel respected and valued throughout our interactions. Thank you for highlighting this aspect of our communication.
Some important information was left off .I did not learn that my interest rate would be deciede until after the construction loan was to be modified to a real mortage.Maybe I did ask the right questions. This is my first time buying a manufactured...
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Reply from Cindy Hammond
August 14th, 2026 07:58 PM
Thank you Laura for feedback! I will work with my marketing department and create that for people going forward!
Cindy was very helpful and explained everything so that I could understand. She was always responsive, even when I texted her in the evening or on a wknd.
Reply from Cindy Hammond
June 27th, 2026 03:49 PM
Thank you, Teresa for taking the time to fill this out! I really appreciate it. Please reach out anytime during your build process with any questions or concerns you may have! Can't wait to see your home come to life!
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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
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2001
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS#164102
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.