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
Cindy went above and beyond to rescue the sale of my listing! She was able to secure the financing the buyer needed in record time.
Heath really appears to care about his clients. The way communicates promptly, cheerfully, and with professionalism really helped my wife and I through a stressful time. Thanks Heath, Wendy, and Nicole for ALL your help and expertises.
Cindy was a true professional. She made me feel so comfortable when asking me questions about my finances. She covered great details in such a short time. And answered all my questions about wiring money that made it so easy. She’s the best!!...
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Heath is very Knowledgeable, courteous as well as professional.
Heath explained the whole process from start to finish. We loved working with him, he is one of the BEST!
Cindy and her team are the best! This closing was very smooth and my buyer was very happy with the entire process. If I had my way, it would be Cindy and Stockton every time!
Very helpful and patient thank you!
Cindy was very helpful throughout the whole process as I have never bought a home before.
A very smooth process with prompt response and updates on progress throughout.
Very pleasant to speak with always on top of clients best interest I would recommend her to any body looking to buy house looking for loan
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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.