Miranda Kelley - Team Acopia | Lower Mortgage's Cover Image
Miranda Kelley - Team Acopia | Lower Mortgage - Branch Manager | NMLS# 2095187 in Oxford, AL
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Miranda Kelley - Team Acopia | Lower Mortgage

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Branch Manager | NMLS# 2095187

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We are mortgage banking professionals, committed to making our communities better places to live and work. We are dedicated to helping every qualified buyer achieve their dream of home ownership through superior customer service and innovat... Show More
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    Laila A T _
    Posted on August 21st, 2026 02:32 PM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Laila A T _
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    Laila M
    Talladega, AL
    Posted on August 21st, 2026 02:32 PM
    Miranda made the entire process amazing with great communication and the skills needed for this transaction
    Reply from Miranda Kelley - Team Acopia | Lowe...
    August 21st, 2026 03:02 PM
    Laila, I'm glad to hear that you found the process smooth. Your feedback means a lot to me, and I appreciate your kind words.
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    Timothy W H
    Anniston, AL
    Posted on August 15th, 2026 11:55 AM
    It being done and over with
    Reply from Miranda Kelley
    August 21st, 2026 03:05 PM
    Timothy, I'm glad to hear that everything is completed and you are now officially a homeowner. Thanks for allowing me to get you to the closing table.
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    Jackson G P
    Weaver, AL
    Posted on August 8th, 2026 01:18 AM
    Where do I even start, Miranda was great she was transparent in every aspect, and was always a phone call away. I can't recommend her enough!
    Reply from Miranda Kelley - Team Acopia | Lowe...
    August 11th, 2026 09:01 PM
    Jackson, I'm grateful for your kind words and recommendation. It means a lot to know that you appreciated my transparency and felt supported throughout the process. If you ever need anything else, I'm just a phone call away!
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    Jackson P
    Posted on August 6th, 2026 08:01 PM
    Where do I even start. Miranda was awesome! She answered any questions my wife, and I had and was very transparent. She is excellent at her craft, and I’m so glad we used her.
    Reply from Owner
    August 11th, 2026 09:02 PM
    I'm glad to hear that you and your wife had such a positive experience working with me, Jackson. It's great to know that my transparency and expertise made a difference for you. Thank you for your kind words!
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    Kesha J
    Posted on August 3rd, 2026 06:39 PM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Kesha J
    Reply from Owner
    August 11th, 2026 09:02 PM
    Thank you, Kesha, for the great rating! I'm grateful for your feedback.
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    Lesha J
    Montgomery, AL
    Posted on August 3rd, 2026 06:39 PM
    Everything was great, Miranda made the whole entire process easy they explained everything that needed to be explained and did everything she could to help during this process and make it easy and understandable
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    Reply from Miranda Kelley - Team Acopia | Lowe...
    August 3rd, 2026 08:40 PM
    Lesha, I'm glad to hear that you had a positive experience. Thank you for being so kind about my efforts. If you have any more questions or need assistance in the future, feel free to reach out. It was a pleasure working with you.
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    Amilliona F
    Posted on August 2nd, 2026 02:15 PM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Amilliona F
    Reply from Owner
    August 3rd, 2026 08:40 PM
    Thank you, Amilliona, for the perfect rating! I appreciate your support and am here if you need anything in the future. Welcome home friend!
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    Amilliona L P
    Montgomery, AL
    Posted on August 2nd, 2026 02:15 PM
    The excellent communication
    Reply from Miranda Kelley - Team Acopia | Lowe...
    August 3rd, 2026 08:41 PM
    Amilliona, I appreciate the positive feedback on our communication. Thank you for sharing! Welcome HOME! :)
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    Laura K F
    Covington, GA
    Posted on July 31st, 2026 08:52 PM
    Nikki and Miranda were fantastic!! Any questions we had were answered quickly, kindly, and efficiently + we were kept in the loop every step of the way. So thankful for the guidance provided!
    Reply from Miranda Kelley - Team Acopia | Lowe...
    July 31st, 2026 09:54 PM
    I'm glad to hear that you found the guidance to be helpful, Laura. Keeping you informed and answering your questions promptly is always a priority for us. Nikki definitely was the Rockstar here and I'm so glad you had a great experience! Thank...
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    About
    We are mortgage banking professionals, committed to making our communities better places to live and work. We are dedicated to helping every qualified buyer achieve their dream of home ownership through superior customer service and innovative products and technology. Acopia is a Fannie, Freddie and Ginnie direct seller servicer and is pleased to offer borrowers a wide array of lending products. Our Honoring our Heroes program gives back to veterans, active military, law enforcement, firefighters, EMS, medical professionals and educators. Acopia, LLC is an equal opportunity lender with local branches in several regions throughout the U.S. Georgia Residential Mortgage Licensee. NMLS 4664 | GRMA 60024. Connect with us to learn more.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
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    Memberships
    • The Calhoun County Area Chamber
    Addresses and Serving Areas

    Year Started

    2002

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS# 2095187
    Hobbies
    • I enjoy spending time with my family, traveling, and taking in the beauty of God's creation.
    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.