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! I refer clients to Cindy often because i know they will receive A+ customer service and work with clients to help get them to the closing table. Whether a new purchase or a re-finance - they educate customers...
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Reply from Owner
May 4th, 2026 08:59 AM
Thank you so much Karen for your kind words and trust is us! We appreciate all your referrals!!!
Cindy did such a seamless job on our HELOC! Super easy, minimal documentation, quick disbursement, and all with that local, hometown way of doing business. I highly recommend Hammond Mortgage Group and will refer anyone I know to them! Thanks,...
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Reply from Owner
May 4th, 2026 09:00 AM
Thank you Susie! We appreciate the time you took to submit a review!
Very easy!!! Heath and Cindy both are wonderful and friendly people to talk to!!!
Reply from Cindy & Heath Hammond
March 10th, 2026 05:07 PM
Sheri, I'm grateful for your kind words. It's wonderful to hear that you found the process easy and enjoyed our conversations. I appreciate your feedback and am glad to have been part of your experience.
Easy process with simple straight forward structure
Reply from Cindy & Heath Hammond
February 16th, 2026 02:07 PM
Kacy, I'm glad to know that you found the process easy and straightforward. Simplicity and clarity are important to me, and I'm happy to hear it made a positive impact on your experience. Thank you for sharing your feedback.
Cindy and Heath answered every question I had! They were very communicative and helpful with every step of the process. Thank you again Cindy!
Reply from Cindy & Heath Hammond
February 13th, 2026 06:32 PM
Crystal, I'm pleased to hear that you found my communication and assistance helpful throughout the process. It was a pleasure addressing your questions and being part of your journey. Thank you for taking the time to share your experience.
Everything was great
Reply from Cindy & Heath Hammond
March 20th, 2026 01:39 PM
Thank you so much! I'm glad everything went smoothly!
From start to finish the whole process was very smooth. If I had any questions, they would be answered very quickly. They have a great app that shows step by step and keeps you informed of what's been completed and what needs to be done. Overall,...
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Reply from Cindy & Heath Hammond
March 20th, 2026 02:27 PM
Thank you Lisa! We truly enjoyed working withy you!
Best of the best. Heath was amazing. Will refer him to any and all in the future.
Reply from Cindy & Heath Hammond
March 20th, 2026 02:29 PM
Thank you Sandra! Our business relies on referrals! We appreciate all you send our way!
Heath was on top of it and was quick to communicate something to me . Efficient and so lucky to have worked with him during my first home buying process .
Reply from Cindy & Heath Hammond
March 20th, 2026 02:29 PM
Cindy, thank you so much for taking the time to post a review! We enjoyed working with you and so excited for you! Let us know if you need anything in the future!
I liked the fact that they would answer any questions I had.
Reply from Cindy & Heath Hammond
March 20th, 2026 02:30 PM
Thank you Daniel for the review! We appreciate your business and let us know if you need anything!
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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.