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
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closed
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closed
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9 AM to 5 PM
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Reviews from Web
Amazing service. Always so quick to take my calls or texts. Great advice and knowledgeable about the options which helped me find the right fit for my needs.
Reply from Cindy & Heath Hammond
March 20th, 2026 04:48 PM
Thank you Wesley for a wonderful review! We truly appreciate your business!
Great service down to earth people always explain everything
Reply from Cindy & Heath Hammond
March 20th, 2026 04:49 PM
Thank you Franklin! Looking forward to working with you on your modification!
Easy process for first time home buyers. Heath and Cindy were very infromational and always kept us up to date with things that were going on.
Cindy and heath did a great job and couldnt have made the process any easier for a first time home buyers
Very helpful when we had question.
You guys were so much help all of you thank you
Their constant lines of communication and professionalism to make my purchase pleasant and easy going.
Did great at getting everything done in time
Very professional and will work with you through the process .
Always available to answer questions, very nice, kept us extremely informed the whole process. We moved from another state so doing a lot of it over the phone/digitally and it felt like we were in great hands the entire time.
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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.