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Lower - Duluth, GA
Duluth, GA
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Doug Richards has received a review with 5 star rating from Ana M
I received quick responses to all my questions. The folow-up and attention waa extremely helpful to me.
Stephen Gowen - Team Acopia - Lower Mortgage has received a review with 5 star rating from Nick Y
Stephn and his team were always available to answer any questions. Even after normal business hours I would call thinking I would have e to leave a message and he would take my cal or call me right back.
Reply from Stephen Gowen - Team Acopia - Lower...
September 1st, 2026 01:33 PM
Thank you so much for the 5-star review! I truly appreciate your kind words and the trust you placed in me and our team. Buying a home and navigating the mortgage process can bring up questions at any time, so being available and responsive...
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Stephen Gowen - Team Acopia - Lower Mortgage has received a review with 5 star rating from Nick S
Reply from Owner
August 17th, 2026 02:05 PM
Nick, It was an honor to help you purchase your first home. It was great getting to know you and working with you. We truly appreciate your trust in guiding you through the home buying experience. Congratulations again on this exciting milestone—we...
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Communication, knowledge, and honesty.
Reply from Stephen Gowen - Team Acopia - Lower...
August 17th, 2026 02:03 PM
Thank you so much for your kind words! It was an honor to help you purchase your first home. It was great getting to know you and working with you. We truly appreciate your trust and are thrilled that our communication, knowledge, and honesty...
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Communication and flexibility with my schedule.
Reply from Doug Richards
August 18th, 2026 01:36 PM
Stephanie, I appreciate your mention of my communication and flexibility. It's important to me to ensure that the process fits smoothly into your schedule.
Doug Richards has received a review with 5 star rating from Jordan
Doug and the rest of the team were incredible to work with and made everything so easy.
Reply from Doug Richards
August 7th, 2026 12:49 PM
Jordan, I'm grateful that you found working with me and the team to be a positive experience. Making the process easy for you is always my goal. If you ever have more questions or need assistance, please don't hesitate to reach out.
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Jeff was amazing made me feel like he had my best interest at heart.
Reply from Jeff Ingram
August 5th, 2026 03:12 PM
Thank you for your kind words, Austin. I'm pleased to know that you felt I had your best interests at heart. If there's anything else I can assist you with, please don't hesitate to reach out.
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Eastern Standard Time (EST)
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.