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
View All days
Search Reviews
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Heath and Cindy done a great
Reply from Cindy & Heath Hammond
March 20th, 2026 02:30 PM
thank you Greg! We appreciate it! Let us know if you have any questions through your construction! Look forward to modifying you loan!
Timely and made the process as easy possible. Friendly people too
Reply from Cindy & Heath Hammond
March 20th, 2026 02:31 PM
Thank you Lauren! We enjoyed working with you! Please let us know if you need anything!
This is the third home I have purchased using Cindy! She is amazing and always able to get us the best rates! Thank you so much!
Reply from Cindy & Heath Hammond
March 20th, 2026 02:32 PM
Thank you Sarah! You're amazing too! Would love to ride horses with you sometime!
Cindy & Heath was great to work with during our loan process. Would definitely recommend.
Reply from Cindy & Heath Hammond
March 20th, 2026 02:32 PM
Thank you Dusty for your review! Looking forward to finishing up your project and getting your loan modified!
Cindy was very professional, pleasant and communicated with us thru out the entire process.
Reply from Cindy & Heath Hammond
March 20th, 2026 02:32 PM
Thank you Kim! I appreciate you!!!
Heath and Cindy were great. I am going to recommend them to everyone I talk to. We are very happy with the service we got. They were very helpful and communicated with us all the way through the process
Reply from Cindy & Heath Hammond
March 20th, 2026 02:33 PM
Oh Jon thank you so much for the fantastic review! We really appreciate it and promise we will take very good care of the referrals you send to us!
Fast, professional and communication were priority. Amazing experience and amazing to work with. Wished I would have known about Lower when we started. We will definitely promote and recommend Lower to anyone who asks! Thank you both, so very...
read more
Reply from Cindy & Heath Hammond
March 20th, 2026 02:34 PM
Thank you Sandra for the amazing review! We really appreciate it and loved working with you! We will take care of all your referrals!
help me very good and you are a good friend. I can recommend my friend.Fri.
Reply from Cindy & Heath Hammond
March 20th, 2026 02:35 PM
Thank you Tomas! We think of you as a friend to! Looking forward to taking care of your referrals!
They answered ALL of my questions so that I could make informed decisions. Helped me achieve my current goals and working with me on my future ones. Couldn't ask for a better team!
Reply from Cindy & Heath Hammond
March 20th, 2026 02:36 PM
Thank you Margaret for the wonderful review! We really appreciate it! Always we are here to answer any questions you may have in the future!
Great experience.
Reply from Cindy & Heath Hammond
March 20th, 2026 04:47 PM
Thank you Curt! We hope you are enjoying your new home!
51–60 of 364
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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.