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
Cindy Vandiver made the experience great. She worked hard along with me to make our Puerto Rico tax returns acceptable for the process. When the top level underwriters waited until the very last few days before closing to bring up questions/issues...
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As always, the communication was great and you served the client very well at getting closed on time.
We were constantly in the loop about what was happening and always had our questions answered quickly!
As usual Cindy worked her magic! In a nutshell Cindy gets things done professionally, in a timely manner and keeps me updated with Stockton's awesome app (as well as direct follow-up). I will continue referring to Cindy!
Working with Cindy was a wonderful experience! She was always kind, attentive and easy to talk too. She's thorough and very detailed. Clear communication throughout the entire process. She makes working with her so easy. I would most definitely...
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Cindy was always available when I called and if not it didn’t take her long to call
Me or email. She was very through with me and explained any thing I had questions about. I would highly recommend her to anyone looking to purchase.
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Todd! I truly appreciate your endorsement of our service levels! Please let me know if you need anything else!
Your overall attention to detail continuously contributes to successful deals. It's the difference maker.
Smooth transaction with great communication along the way.
The help I got and advice they did all for me to able to get the home I wanted
Always had great outcomes working with Heath
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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.