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
Worked out all the details
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Tiffany! I hope you are enjoying your new home!
Cindy made the process smooth a d painless.
Excellent communication skills and knowledge of the process. Manufactured home loans can be a difficult. Cindy and Wendy made this transaction seamless. Thank you!
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Valerie! Please reach out if you need anything in the future! You were amazing to work with!
While I was on the other side of this as listing agent, I appreciated the service and communication I received. Very pleased we closed early.
I would be interested in your services again for my manufactured home clients.
Reply from Cindy & Heath Hammond
April 23rd, 2025 06:42 PM
Thank you Brita! Please let me know if I can help you with anything in the future!
everything was fast and easy
Everything from start to finish was great. If we had a problem Heath would always promptly respond with a fix for the problem. It went so smoothly and closing came so quickly. We really appreciate how Heath handled our loan!
Cindy was able to get us to closing after the buyers were rejected from the previous lender. Good job Cindy! You are experienced, knowledgeable and always prompt in keeping me informed and I appreciate your going the extra mile to get the buyer...
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Wonderful people
Communication to all parties is very important. waiting 5 weeks for a VA appraisal is not acceptable. Parties were told at last minute there was a problem with getting an appraiser. We were also told ,the appraisal was all we were waiting on...
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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.