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
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Business Hours
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closed
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closed
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9 AM to 5 PM
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Reviews from Web
The quick turnaround for the questions we asked and how quickly we found a house that we love! Thank you so much!
Great company! Heath Hammond helped me out a lot especially since it was my first home. Would recommend him to anyone and looking forward to future business!
stay more organized
Cindy was amazing. We are first time homebuyers and were nervous. Cindy calmed our nerves and answered any question we had. She was amazing.
Heath and his entire team went above and beyond, working diligently to secure the loan fir the client!!!
Cindy worked with us all along the way!!! It was wonderful to have someone as knowledgeable as she is to keep us calm.
Prompt communication through out the process
Cindy's service was outstanding. She succeeded in every way to meet the deadline for the closing date and her performance was absolutely the best!
Cindy was both courteous and professional throughout the entire transaction! Thanks Cindy!
Cindy was always available and kept me updated on the status of the buyers loan. Excellent communication.
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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.