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
Cindy is amazing to work with she very helpful. She gets answer asap and is always wonderful to talk to even if there is a problem.
Heath and his team did an amazing job assisting my clients get approved and closed on their forever home. They are so excited and I would recommend Heath to anyone looking for excellent service. Thank you Heath!
Cindy is awesome to work with. You specify your needs and she gets working on it. Any questions that I may have had through the process she was quick and knowledgeable with an answer.I highly recommend working with Cindy and the company she...
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Quick respond to all questions,texts or emails.Was always there for us during the whole process.
Questions answered promptly and made the process go smooth.
Quick turn around and rate. Shelly did an awesome job
All the hard work your team did for us. Thank you so much. You made a dream come true .
Heath was thorough and personable!
Heath was a pleasure to work with. Heath was referred by another agent to me on a deal that was falling apart for my client. Heath saved the whole deal and got it closed fast for my client with a better rate and much a lower payment. Heath...
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She was ALWAYS available!
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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.