Cindy Hammond
Branch Manager, VP
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NMLS ID# 164102
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Cindy
We are based in White County in Cleveland GA. We cover all of the Southeast and are licensed in GA, SC, NC, TN, KY, AL, and FL. We love working with our Government Loan Programs, FHA, VA & USDA which are perfect for FTHBs. We know Construction Lending for Manufactured Homes as well as Site Built Homes. We also have a heart to help our seniors in helping them to determine if a Reverse Mortgage is a good option or not. I have 25 years of mortgage originating experience. My goal is not just to get your mortgage done for you... It is my goal to look at both your short & long term goals to pick the best mortgage strategy for you and your family. Plus we want to be a part of the process helping you to attain your life long dreams.
I am licensed in: TN, GA, KY, FL, NC, SC, AL
Susan D.
Verified Customer
July 18, 2026
Cindy's approach was courtoues and personable .She communicated in a way that treated people like people instead of just another client. In other words she talked and interacted with people with the dignity and respect one human should to another human.
David C.
Verified Customer
July 18, 2026
Some important information was left off .I did not learn that my interest rate would be deciede until after the construction loan was to be modified to a real mortage. Maybe I did ask the right questions. This is my first time buying a manufactured home. However, Miss Cindy was very good at answering the phone when I called and returing phone calls. Have a list of facts about buying a mobil home for people like me who are totally clueless in easy language please include information about borrowing money and interest rates how they change when the loan is modifed. Thank you for listening.
Laura C.
Verified Customer
July 17, 2026
Cindy was very helpful and explained everything so that I could understand. She was always responsive, even when I texted her in the evening or on a wknd.
Teresa B.
Verified Customer
June 27, 2026
Cindy was very easy to work with and was able to seamlessly (on our end) work through some of the challenges that we faced. We really appreciate her hard work!
Lesli G.
Verified Customer
June 24, 2026
Very smooth process. Cindy kept us updated throughout and was quick to respond to our questions
Curtis G.
Verified Customer
June 24, 2026
Very helpful and always on top of everything
Justin H.
Verified Customer
June 13, 2026
Becky P.
Verified Customer
May 25, 2026
Heath and Cindy stepped in to help when the loan processor that started the loan was no longer with the company. They worked with the new processor to ease the process of closing the
Rebecca P.
Verified Customer
May 25, 2026
Great people!
Hunter L.
Verified Customer
May 23, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
