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 and staff are always available to answer question , or already had the information before we needed it. Thank you.
No surprises with Heath....very smooth refinance.
Heath always goes above and beyond. We have worked with him for several years now. He is organized and efficient. The process was fast with minimal stress. Highly recommended!
Everything was great as always! very helpful
It was my first time buying a house and you made it so easy. You answered all of our questions that day without making us feel like we should have known the answer already.
It was my first time buying a home, and he helped me do it step by step.
Cindy was fantastic! We seen her a few years back for advice for getting financed to purchase a house. She gave us pointer and great advice and as we followed those instructions we found ourselves back in her office in November of 2020. She...
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Service and communication all through the process
Heath gave continuous updates on the buyers loan. He always answers his phone if there is a question. Very professional.
Cindy was incredible in help us in every way. Cindy treated us with great kindness and was responsive to us no matter. What time of 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.