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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Business Hours
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9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Heath and Cindy were great to work with. We knew we were in good hands with them helping us through the process.
Cindy and Heath handled a full closing for my son and a refinance for me. The process was really streamlined and flowed so smoothly. They are great to work with and I highly recommend them!
Very helpful and informative
Y'all where very helpful with questions we had.
Communication with us was incredible and took us through the whole process step by step.
Your quick action, keeping us in the loop, answering our questions in a very timely manner and the level of professionalis.
A pleasure to work with. Very professional, prompt, helpfull and friendly.
They both went above and beyond my expectations.
Truly cared about me and my son's needs and treated me like family.
you make me feel like family
Heath was very understanding and helpful throughout the entire process.
71–80 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
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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.