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
Sat
closed
Sun
closed
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Reviews from Web
Cindy was very helpful and so nice! She clearly explained everything we didn't understand. I would definitely recommend this company!
Worked with me to make sure my mortgage went smoothly. Available any time I had a question. Couldn’t ask for someone better.
Cindy is great to work with.
It felt very personal to us. If we had any questions, or if we didn’t understand something, you were there to help us as quickly as possible.
Thank you so much!
Thanks for all the help!
great job
All the communication and working together made it a great experience and I appreciate that so much. Whenever there were challenges we were able to get the corrections and go to closing!
Thank you
Michelle Garvey
Keller Will Realty
Heath is just a great guy and really appreciated his guidance throughout the process.
I would also like to give tribute to Ms. Shelly Dinsmore. Ms. Dinsmore really kept me focus because I wanted to throw in the towel.
Easy to work with, thorough, and timely.
Great Job, Thanks,
Joe Bosworth
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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.