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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9 AM to 5 PM
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Reviews from Web
Cindy kept the communication lines open and made this transaction seamless.
Good
WOW... what can i say? Cindy is the best, most professional and easy going person i have ever worked with and would recommend her and her team a million times over. She gave very clear guidance and pathway to take to check all the boxes. Overall...
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Heath Hammond, and Stockton Mortgage, provided a seamless closing for my clients. They were responsive and timely with every step in the process. I would highly recommend them for all your mortgage needs!
everything
Very pleased at how Cindy worked to solve issues while other companies were unwilling or unable. Thanks Cindy!
Property had several non traditional issues that had to be overcome to close. Older double wide added onto by owner. Shared well, private shared driveway. Closed with only a few delays but closed.
Cindy and the Stockton team worked very hard to get my Home for me . Dedicated team ! Have no doubts about Stockton they are amazing.
People make an organization even greater and Cindy is a great reflection of your brand. Cindy was always available when I had a question, patient, communicated all expectations well and overall, earned our refinance business over our credit...
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Cindy went above and beyond to help expedite the lending process. Her knowledge of mobile/manufactured homes was spot on. She was friendly, polite, and made me feel comfortable. She would always take the time to respond to my calls, emails...
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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.