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
The upfront organization presented really expedited the process of obtaining and closing our refinance. All required information was outlined at the outset, unlike most of the real estate transactions we've been involved in.It was a pleasure...
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Not only have I closed on several properties with Cindy, I have referred several others to her. Every experience that we’ve had with Cindy and her team has been above expectation and with excellence. I have closed loans with many lenders, and...
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I called Heath to ask about a refi one morning. That night we met and got the ball rolling 6 weeks later we closed! Very professional and friendly walked us through the process in terms we understood and always felt like we were top priority....
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Heath and his team, walked Stephanie and I through every step of the way. They resolved all of our concerns, questions and doubts very quickly . Would definitely recommend. Thank you Stockton!
Cindy is amazing!! Great communication and in top of everything. Highly recommend Cindy to get you through the mortgage process smoothly.
Smooth and easy transaction to closing
The thoroughly and completely organized way Heath Hammond gathered information greatly streamlined the application process. The Closing was greatly expedited due to his organizational skills. His application for us became the FASTEST Closing...
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Comunication
Heath,
You did a great job!!! My client and I appreciate how quickly you took care of us. I will definitely be working with you again.
Thank you,
David Zavala
K & A Realty Group LLC
Heath did a amazing job! He made Our refiance experience easy.He was quick to find Us the best rate and keeping Us informed on how the process was going.I highly recommend him to anyone looking to refiance or buying their home.
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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.