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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  • Encompass
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    LaTeisha K
    Montgomery, AL
    Posted on September 11th, 2026 11:45 AM
    The communication was always on point
    Reply from Miranda Kelley - Team Acopia | Lowe...
    September 16th, 2026 07:40 PM
    I'm glad to hear that the communication met your expectations, LaTeisha. I am honored to have been a part of this journey with you. We are here for you in the future if you need anything. Welcome Home.
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    Terri R
    Anniston, AL
    Posted on September 5th, 2026 04:30 AM
    Miranda is truly what made our home-buying experience so great! She went above and beyond for us every step of the way, and we honestly could not have asked for anyone better.She walked us through the entire loan process and made sure we understood...
    read more
    Reply from Miranda Kelley - Team Acopia | Lowe...
    September 8th, 2026 02:48 PM
    Terri, I'm so grateful for your kind words and am pleased to hear that your home-buying experience was excellent. It was my pleasure and an honor to guide you through the loan process, and we couldn't be prouder that you are now a homeowner!...
    read more
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    Jesse M
    Fort Payne, AL
    Posted on September 2nd, 2026 05:45 PM
    We truly enjoyed working with Miranda. She was extremely detailed, organized, and thorough in her approach. Her attention to detail helped ensure that tasks were completed accurately and efficiently, and her professionalism made collaboration...
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    Reply from Miranda Kelley - Team Acopia | Lowe...
    September 2nd, 2026 06:31 PM
    I appreciate your kind words, Jesse and Melissa. It's wonderful to hear that the process with me and team was excellence. It was such an honor being a part of this journey with you guys. I'm glad the effort and dedication were valued, and I...
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    Melissa M
    Posted on September 1st, 2026 05:45 PM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Melissa M
    Reply from Owner
    September 1st, 2026 06:55 PM
    Thank you for the excellent rating! It was a pleasure working with you guys. Welcome Home Martin Family!
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    Melissa M
    Fort Payne, AL
    Posted on September 1st, 2026 05:45 PM
    Miranda was very informactive and easy to contact through the whole process. My husband and I highly recommend her and will be using her in the future as we will be helping my mother in law transition to Alabam. Very impressed by her expertis....
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    Reply from Miranda Kelley - Team Acopia | Lowe...
    September 1st, 2026 06:13 PM
    Melissa, I'm glad to hear that communication was great throughout the process. Thank you for your recommendation, and I look forward to assisting you and your family in the future with your mother-in-law's transition to Alabama. It was a privilege...
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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 _
    Reply from Owner
    September 1st, 2026 06:11 PM
    Laila, thank you so much for the perfect rating. I’m glad to know you had a positive experience with me and my team at Lower. Welcome Home!
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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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    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
    What is the Search Rank Score®?
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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.