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
Heath took my loan application after two failed attempts for unclear reasons. I understood I had challenges but I kept hitting a brick wall. Heath was attentive to the details of my situation & the changes the VA had made, he immediately corroborated...
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Cindy and her team worked fast to get my home refinanced. They called if something was needed, and even helped get information that I could not get at the time. I loved being able to work with such an amazing group who truly cared about what...
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Cindy and Shelly were fantastic! Communicated with us on our loan and its progress on almost daily basis. They made a stressful experience very smooth and stress free. They were very professional and friendly. My wife and I are extremely happy...
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Cindy is a wonderful hard working women! Love referring clients to her because I know she will take good care of them!
Great service and kept everyone updated.
Very easy to get in touch with. Very responsive and answers any question you can ask.
Cindy was so helpful. It was all just so easy.
Cindy is always so pleasant to work with and always goes above and beyond to make sure you are taken care of. It was the smoothest Refinance I have ever done! Thank you for all your hard work Cindy!
Cindy communicated well throughout the process, and made the entire process easy. She was on a time crunch and made it happen!! A job very well done!
The process was simple and efficient from application to closing with any and all questions answered in a timely manner and in a way that was understood by someone not familiar with the process! Thanks!!!
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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.