Introducing the Hammond Mortgage Group with Lower Mortgage

Meet our preferred lending partner

We’ve partnered with Hammond Mortgage Group to make the financing side of building your custom home simple and stress-free.

Cindy and Heath Hammond specialize in construction financing and work closely with us and our closing partners to keep everything moving smoothly, from start to finish. You’re never left guessing, and you’ll always know what comes next.

Their team will walk you through your options, answer questions and help guide you step by step so you always know what comes next.

Homebuyers Cindy and Heath have helped

Some of the nice things people are saying:

From start to finish the whole process was very smooth. If I had any questions, they would be answered very quickly. They have a great app that shows step by step and keeps you informed of what's been completed and what needs to be done. Overall, a really good experiences.

Lisa K.

Young Harris, GA

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!

Margaret M. S.

Demorest, GA

Amazing service. Always so quick to take my calls or texts. Great advice and knowledgeable about options, which helped me find the right fit for my needs.

Wesley M.

Dandridge, TN

Cindy and Heath did a great job and couldn't have made the process any easier for a first-time home buyer.

Sklar L. A.

Jasper, GA
What They Help With
Hammond Mortgage Group helps you finance your new home with:

Guidance from Start to Finish

Their team works closely with the builder and guides you through each step, so you always know what comes next.

One-Time Close Construction Loans

One loan that covers both the construction and permanent mortgage — simplifying the process and avoiding multiple closings.

Multiple Loan Options

Financing available through Conventional, FHA, and VA construction loan programs, allowing flexibility based on your financial goals.

Building on Your Own Land

If you already own your land, the equity in your land can often be used toward your down payment, reducing or eliminating the need for additional cash at closing.
You don’t need to know which loan program is best; Cindy and Heath will help you explore your options and find the financing approach that works best for your new home.
In four simple steps

How Construction Financing Works

Building your home may feel complex, but the financing process is simpler than most buyers expect. With a One-Time Close Construction Loan, everything is handled in one streamlined process.

1. Schedule a Quick Consultation

Start with a short conversation with Cindy and Heath Hammond to review your goals, budget, and financing options.

2. Get Pre-Approved

Complete a simple application so the team can confirm your budget and determine the best loan program for your build.

3. Finalize Your Home Plans

Work with Kya Homes to select your floor plan, pricing, and specifications while the lending team prepares your construction loan.

4. Close Once & Begin Building

Your One-Time Close loan funds the construction of your home and then automatically converts to your permanent mortgage when the home is complete.
Why Buyers Choose Hammond Mortgage Group

We specialize in custom home construction financing and work closely with builders to keep the process moving smoothly. Our goal is simple: clear communication, good timing, and a stress-free experience.

Using our preferred lender is not required, but working with a lender experienced in custom construction can help avoid delays.

Frequently Asked Questions

Everything you need to know about construction financing.

Do I need to own land before applying for a construction loan?

No. Some buyers already own their land, while others purchase land as part of the construction loan. Cindy and Heath can help you explore both options.

Can my land be used as the down payment?

In many cases, yes. If you already own your land, the equity in the property can often be applied toward your required down payment, which may significantly reduce the amount of cash needed at closing.

What is a One-Time Close Construction Loan?

A One-Time Close loan allows you to finance the construction of your home and your permanent mortgage in a single loan and a single closing.

‍This means:
• One loan application
• One closing
• No need to refinance after construction

What types of construction loans are available?

Hammond Mortgage Group offers several construction financing options, including:
‍
• Conventional Construction Loans
• FHA Construction Loans
• VA Construction Loans (for eligible veterans)

‍This allows flexibility depending on your financial goals and qualifications.

When do I start making mortgage payments?

During construction, payments are interest-only based on the amount drawn by the builder. Payments are due the first of each month.  Once construction is complete, the loan converts to your permanent mortgage payment.

How long does it take to get approved?

Pre-approvals are typically completed within 1–2 business days once your application and supporting documents are received.

Do I need to know exactly which loan program to choose?

Not at all. Cindy and Heath will review your goals, finances, and building plans to help determine the best option for your situation.
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Building a custom home is exciting — and getting started doesn’t have to be complicated.
Someone from our team will be in contact with you to discuss your options.

NMLS ID#1124061

nmlsconsumeraccess.org

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, LLC may be identified as a preferred lender. Use of Lower, LLC is not required to purchase a home or obtain financing. You are free to choose any lender. Any incentives offered by the seller or builder may be subject to specific terms and conditions and may not be available if another lender is selected.