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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Great communication along the way and Cindy has always provided all the needed information in a timely manner.
Cindy is a personable, caring, empathetic agent that just really cares! She goes the distance for her customers and they come back. She has helped me 3 times and she knows what she's doing.
Everything went very smooth only had one little bump but nothing major.
Just like the original purchase of our home, you guys were in top of everything, and we were never left in the dark on what to do next. We would gladly refer you to anyone in question about purchasing or refinancing. Thank you so much
It closed early and the buyers were very excited !
Great experience
Cindy was very professional and knowledgeable about this process . She worked quickly and effectively on this case .
she was in constant contact and that was appreciated.
I bought my first home this year and I wouldn't have been able to get through it without Heath. He was so helpful and diligent on making sure the process was smooth and that I was taken care of. He made sure I was aware of everything up front....
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Heath was always available to answer any questions and got us ready to close quickly.
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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.