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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Cindy was very easy to work with and was able to seamlessly (on our end) work through some of the challenges that we faced. We really appreciate her hard work!
Reply from Cindy Hammond
June 25th, 2026 05:46 PM
Thank you Lesi! I'm so excited to see your house once it's built!
Very smooth process. Cindy kept us updated throughout and was quick to respond to our questions
Reply from Cindy Hammond
June 25th, 2026 05:47 PM
Thank you so much Curt! Please let me know if you think of any questions through the build process. I can't wait to see the finished product!
Very helpful and always on top of everything
Reply from Cindy Hammond
June 14th, 2026 01:06 PM
Thank you so much for taking the time to submit a review! I really appreciate it!!!
Would not recommend
Cindy Hammond has received a review with 5 star rating from Becky P
Reply from Owner
June 5th, 2026 05:06 PM
Thank you Becky for your review we appreciate it!
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
Reply from Cindy Hammond
June 14th, 2026 01:08 PM
Thank you so much Rebecca! We are honored to be able to help you! Please reach out anytime if you have any questions down the road!
Great people!
Reply from Cindy & Heath Hammond
June 1st, 2026 07:39 PM
Hunter, I'm grateful for your kind words about us. It's nice to know you appreciate our efforts.
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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Reply from Cindy Hammond
June 14th, 2026 01:07 PM
Alexa thank you so much for taking the time to submit a review for us! We can't wait to see everything completed! <3
Cindy Hammond has received a review with 5 star rating from Caleb C
Reply from Owner
June 5th, 2026 05:05 PM
Thank you Caleb for your review! I really appreciate it!
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.
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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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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.