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Miranda Kelley - Team Acopia | Lower Mortgage - Branch Manager in Oxford, AL

Miranda Kelley - Team Acopia | Lower Mortgage

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Branch Manager

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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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Location & Business Hours
Business Hours
Fri
24 hours
Sat
24 hours(Open now)
Sun
24 hours
Overall Ratings
5.0
(64)
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Reviews from Web
  • 5.0
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    Roger F
    Posted on June 6th, 2026 03:36 AM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Roger F
    Reply from Owner
    June 7th, 2026 02:03 AM
    Thank you so much for the 5 star review, Roger. It was a pleasure working with you. Wishing you many blessings in your new home.
  • 5.0
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    Roger F
    Oxford, AL
    Posted on June 6th, 2026 03:36 AM
    Miranda made the home buying experience simple and easy. She is an excellent communicator and was ready to answer all of my questions promptly. She was extremely patient as well due to me being a first time home buyer. I would recommend her...
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    Reply from Miranda Kelley - Team Acopia | Lowe...
    June 6th, 2026 07:18 PM
    Thank you so much, Rogers! It was truly a pleasure helping you through your first home purchase. I'm glad I could make the process simple and be there to answer your questions every step of the way. Congratulations on your new home, and thank...
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  • 5.0
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    Camrie D
    Posted on June 4th, 2026 04:42 AM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Camrie D
    Reply from Owner
    June 4th, 2026 07:29 PM
    Thank you Camrie on the 5 star review. It was a pleasure working with you and getting you in your new home :)
  • 5.0
    Encompass
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    Camrie D
    Anniston, AL
    Posted on June 4th, 2026 04:42 AM
    The whole process was really smooth and anything I needed broke down and explained she was there to do so or give me any advice .
    Reply from Miranda Kelley
    June 4th, 2026 03:11 PM
    Thank you, Camrie! It was a pleasure helping you through the homebuying process. I'm so glad I could make everything clear and be there to answer your questions along the way. Congratulations on your new home, and thank you for trusting me...
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  • 5.0
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    Kristin P
    Posted on May 30th, 2026 11:59 AM
    Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Kristin P
    Reply from Owner
    June 4th, 2026 03:45 PM
    Thank you, Kristin, for the 5-star review! It was a pleasure working with you and helping you get into your new home. Congratulations, and I wish you many happy memories there! 🏡😊
  • 5.0
    Encompass
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    Jared P
    Jacksonville, AL
    Posted on May 30th, 2026 11:59 AM
    Miranda is amazing! The level of communication is outstanding. She kept us up to date on everything. As first time home buyers she made sure we clearly understood everything. Always answered our phone calls and questions. I cant recommend her...
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    Reply from Miranda Kelley
    May 30th, 2026 07:26 PM
    Thank you so much for the kind review! It was a pleasure helping you and Kristi through your first home purchase. I'm grateful for the trust you and your family placed in me, and I'm so happy for you guys. Congratulations on your new home and...
    read more
  • 5.0
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    Chloe J T
    Glencoe, AL
    Posted on May 29th, 2026 11:13 AM
    Miranda has been very kind and made this whole process easy without her I would've been so lost any questions i had she was one phone call away and always let me know that
    Reply from Miranda Kelley
    May 30th, 2026 07:28 PM
    It was a pleasure working with you, Chloe and I truly appreciate the trust you placed in me. I loved being a part of this journey with you! Congratulations on your new home! 🏡😊 I'm still just a call away if you need me in the future ;) Welcome...
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  • 5.0
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    Austin C
    Posted on May 22nd, 2026 05:45 AM
    Miranda and her team were efficient throughout the entire purchase process; communication was clear and timely, and everyone was genuinely helpful and friendly. There were no surprises in the closing process other than further savings to be...
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    Reply from Owner
    May 23rd, 2026 09:18 PM
    Thank you so much for the kind words, Austin! It was truly a pleasure helping you through the home buying process. We’re so glad everything went smoothly and that we could help make closing quick and stress-free. We appreciate your trust in...
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  • 5.0
    Encompass
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    Austin P C
    Rainsville, AL
    Posted on May 22nd, 2026 05:39 AM
    The team was efficient throughout the entire purchase process, communication was clear and timely, and everyone was genuinely helpful and friendly. There were no surprises in the closing process other than further savings to be had periodically....
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    Reply from Miranda Kelley
    May 23rd, 2026 09:19 PM
    Thank you so much again! It was truly a pleasure helping you through the home buying process. We’re so glad everything went smoothly and that we could help make closing quick. Welcome Home, Austin!
  • 5.0
    Encompass
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    Pacey S
    Anniston, AL
    Posted on May 16th, 2026 01:29 PM
    Miranda and her team worked around the clock to get us the grant and push our loan through. I would definitely recommend them to anyone buying a house.
    Reply from Miranda Kelley
    May 23rd, 2026 09:21 PM
    Thank you so much Pacey! It was truly a pleasure working with you guys. We’re so glad everything worked out the way it should have! We appreciate your trust in us and your recommendation means so much. Congratulations on your new home! 😊 We...
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  • 10 of 64
    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
    601
    /850
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    Addresses and Serving Areas

    Year Started

    2002

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS# 2095187
    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.