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
Easy communication great help in lowering interest rate helpful with my idiotic questions lol most of all pleasure to do business with
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
I'm so glad we could get your rate lowered and save you $$$ over the offer you had with the other lender! Please call anytime! We are happy to help you!
Nothing about this process was hard…. You all make it smooth and effortless
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you! We try really hard to make the process as easy as pie!
The entire experience.
Cindy made the process smooth and easy and took very good care of us. I have already connected a friend with Cindy
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Y'all were amazing to work with! I'm so happy you were able to find a property that will make your dreams come true! Please let me know if there is anything else I can help you with! Thanks so much for the referral!!! I truly appreciate it!...
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I could come into your office. In person is very important to me. Every thing was taken care of on the spot
The process went smooth and all questions asked were answered.
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you! We try really hard to make the entire process enjoyable and exciting! Not stressful and frustrating! Please reach out with anything I can help you in the future!
Heath and team were great to work with!
Heath never got frustrated at all of my questions but, some he was not able to answer due to the company not having the information.
You guys are always in top of things, and we never had to question which step to take next.
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Brandon! It's always a pleasure to work with you and Kayla! Please reach out with any questions!
Great communication and a very smooth transaction!
Everyone I had dealt with was so helpful and kind
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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.