Cindy Hammond
Branch Manager | NMLS# 164102
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
The level of customer service, expertise, knowledge, and communications is unparalleled to any other mortgage broker i have ever worked with.
Heath was very responsive and kept me informed throughout the entire process.
Easy and fast
Everything
Very knowledgeable people at the whole office. Calm, intelligent and they made the whole experience very nice. I will recommend Cindy Vandiver and the Stockton mortgage company to anyone. Thank you all!
yes we are very happy with all you helped us with you are the greatest and thanks alots
They kept us informed about everything and explained it all in an easy way to understand.
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Ethan for the fantastic review! You all were a joy to work with and I hope you're enjoying your new home! Please reach out anytime you have questions! We are here for you always!
Heath and his team work together well to make the process as easy as possible for a technology challenged family. They were willing to be creative in transferring required docs when needed. Thanks for the patience and support in getting our...
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Getting documents together and avoid asking more information at last minute. Keep clients informed in able time
Very nice people very helpful and quick to respond to my messages
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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.