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
Great communication. Kept me informed. A pleasure to work with. Always on top of things.
Cindy went above & beyond for us. We have been working so hard for the last 3 years to get our credit & finances in order to be able to buy a home. Cindy has helped us every step of the way, from wisdom & advice to the little things we would...
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Cindy’s knowledge and willingness to explain the process made my first time home buying experience memorable.
We are extremely happy with our choice to go with Stockton Mortgage. Cindy, Shelly, and their team went above and beyond to get us into our home and with the best rate. We were never kept in the dark with the status of our loan application,...
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Very helpful and willing to answer questions.
Cindy was very helpful, and got us closed very fast! Great communication, one of the smoothest loans I have ever applyed for! I recommend her to anyone who needs to get the loan done! Top notch 5 Star service!🌟🌟🌟🌟🌟
Cindy was a pleasure to work with. She was a pleasure to work with and look forward to working with her again!
Heath made it happen. From start to finish he was available 24-7 and found a way to make it all work - not an easy feat with a cross/country move.
This was my first time buying a home. And Heath along with his crew help walk me through step by step. Extremely friendly and warm greetings any time we spoke.
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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.