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
Any questions we had were answered and explained thoroughly.
Cindy was absolutely amazing from start to finish. She made sure I was kept informed and knew what to expect every step of the way. Being a first time home buyer can be stressful and scary, but she made sure that I felt at ease. I couldn’t...
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I feel like the staff of Stockton Mortgage were great. However, the person that the MLO said was "helping" her who identified herself as "Sam with Stockton Mortgage" gave me false information on a regular basis, led me to believe that she worked...
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Heath Hammond
Cindy has been amazing to work with. Excellent communication. Transaction closed on time with a happy buyer.
Cindy is one of the best in the mortgage business. She’s very efficient, communicates well and easy to work with.
All of the help from Wendy & Cindy
Cindy had great communication throughout the whole process. My particular journey had a lot of obstacles and she helped me navigate them perfectly! Thank you so much for al your help!
The great communication that she has. She is always keeping you informed with each step she makes. She makes working with her a pleasure and smooth process.
Nice folks and when an emergency took one employee away from office, she later came to our house and scanned and brought papers to sign that had to be done that day.
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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.