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
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Communication, efficiency, professionalism.. unparalleled!
Cindy was very professional answered all my questions answered and returned all my phone calls quickly she was great to work with I think her very much for everything that she did and I am pleased with my new mortgage thank you
Cindy was amazing and very helpful throughout the entire process she was a godsend for me.
Thank you Sweetheart
The time she took to listen to what information I wanted and provided me with three options l
I love the lending updates and you guys are always available.
My client required a LOT of support and cindy was with him every step of the way. As a realtor I work with lots of lenders. I knew cindy would be a perfect match for my client.
Cindy was very professional and she was always available to answer our questions no matter what time or day it was. Cindy simplified the mortgage process experience for us and we would definitely recommend her to anyone we know who is buying...
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Heath was able to save us hundreds each month by refinancing our mortgage to a lower interest rate. Thank you very a smooth transaction.
Heath does a great job communicating and working with both buyer and seller as well as the brokers, and attorneys.
Cindy is always very easy to communicate with and she goes out of her way to make things as easy as possible.
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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.