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
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9 AM to 5 PM
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closed
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closed
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Cindy walked me through this process every step of the way making this process stress free and painless. The process with Cindy was seamless! From start to finish, Cindy was there to offer assistance any time I had questions. I could not have...
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Cindy was knowledgeable and easy to work with. She made the process so clear and gave good direction to me, providing security and support during a stressful and difficult time for me. I would say that because of her hard work on my behalf...
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Heath Hammond has great communication skills and knows what he is talking about. When we decided to refinance we knew we wanted to have Heath on our side in the refinace process. He is very resourceful and anyone is lucky to have him help them...
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Heath goes above and beyond! He is very knowledgeable and helped us from the very beginning we knew refinancing with Heath was the best choice! Thank you for everything Heath!
Heath and his team was patient and answered all my questions.
Cindy and Shelly were AMAZING to us. They answered every phone call, text message, and email. I would highly recommend they to everyone. They made us feel very comfortable with the process and helped easy any fears we had. They provided A+++++++serivce...
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constant communication was key. Heath is very knowledgable and kept me informed throughout this transaction.
I was able to refinance and do the whole process from another town. They guided me through the whole process, especially sending the electronic signatures and gathering everything needed. Honestly, they couldn’t have made it a smoother process...
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Process was very smooth and Cindy was very professional and caring throughout the process.
My wife and I are first time home buyers. Cindy made our experience easy and enjoyable. Cindy was quick to answer any questions in a way we would understand and at any 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.