Cindy Hammond

Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness.  Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral.  Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples.  To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of DYNDATE and subject to change without notice.  All loans are subject to underwriting or investor approval.  Other restrictions may apply.  This is not an offer of credit or a commitment to lend.  Rate subject to change depending on time of lock.

© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in  47 States to include the District of Columbia.  Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Iowa, Idaho, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License --  MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.

Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity

*Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 711 N High St. Floor 7, Columbus, OH 43215, NMLS #1168557 and Bonita Springs Branch, 3501 Bonita Bay Blvd, Bonita Springs, FL 34134. Branch NMLS# 2709923. Offer not available for Washington State consumers.

Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.

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