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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Always available, always willing to help.
Heath is polite and answered all of our questions promptly.
It is Always a pleasure to work with Heath. He make everything easy. He is approachable and accessible throughout the process. I appreciate him and his team and look forward to working with him again in the future.
The employees
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you for your review Julianne! It was a please to work with you and I hope you thoroughly enjoy your home!!! Please reach out anytime if you have questions! Merry Christmas!!!
Heath and his staff were very helpful with the whole process of buying this home
The process was handled well with the Buyers.
Cindy took care of everything! She is a wonderful person and I have enjoyed doing business with her . She makes you feel like it’s more than business. It’s more like family. Love her !
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Linda! It was a pleasure working with you as always! I'm here whenever you need anything!
Heath was always available, and made the process smooth for all involved. Will definitely recommend him to others.
The overall experience was amazing. Heath was very informative and helped explain the entire process every step of the way.
Outstanding service and information from Cindy
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Anna! It was a pleasure working with you!
121–130 of 364
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.