L
Lower Mortgage, Gallatin, TN
Gallatin, TN
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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
View All days
Search Reviews
Search
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Highly recommend Joanie and her team for all of your financing needs. Since day one she has gone above and beyond to meet our needs. The communication has been amazing and we couldn't have picked anyone better to work with.
Reply from Joanie Stockard Neal
November 29th, 2021 09:49 PM
Thank you Kimberly Garton Jones! You guys have been a joy to work with! We are Clear to Close 2 weeks early! Wooohooo! Come on early Christmas!
Looking to purchase or refinance a home? Then you should make it a priority to call Joanie. She, along with her team at Acopia, are knowledgeable, communicative, and professional. She always goes above and beyond for my clients, and I know...
read more
Reply from Joanie Stockard Neal
November 23rd, 2021 06:58 PM
Caleb Schmittou. Thank you!
To say Jeff was a master of his craft would be an understatement. From the initial information intake to the day of closing, Jeff was right by my side, guiding me and making sure every T was crossed. I had ALOT of questions as a first time...
read more
Reply from Owner
May 5th, 2021 12:00 AM
Thank you! There are many I counsel to help them prepare for a mortgage, however few will do what's necessary. But YOU did it! I'm very happy for you. :)
If you are in need of a home loan look no farther here is your girl. Being a realtor I have worked lot of deal with Joanie and all her staff the are fabulous
Reply from Joanie Stockard Neal
April 13th, 2021 12:36 AM
Lynn Rich Thank you! I love working with you as well! Always out for the clients best interest :)
Jeff was referred to me by my realtor with a great recommendation. Although my expectations were high, Jeff and his team easily exceeded them. Jeff was responsive, articulate, and timely. His communication is top rate, and his friendly, familiar...
read more
Reply from Owner
March 19th, 2021 12:00 AM
Welcome to middle TN! I'm excited that you chose to move your family here. I know you will quickly meet new friends and be an asset to the community. :)
I had a great experience with Jeff Stine and the team at Acopia Home Loans. They were thorough, responsive, efficient, informative, patient, and incredibly kind. I can't say enough good about this group. I will definitely work with Jeff again...
read more
Reply from Owner
February 23rd, 2021 12:00 AM
Thank you! You made my part easy. :) I am very happy for you and hope you enjoy your new home.
Jeff not only made the process easy, it was seamless from application to closing. He and his staff are professional and they kept clear communication through out the process.
Reply from Owner
December 30th, 2020 12:00 AM
Thank you Jennifer! Hope you and your family enjoy your new home. :)
Jeftt Stine and his team at Acopia Home Loans did a wonderful job of provide a mortgage on our new home. The team worked really well together and answered any questions I had at any time along the way. Trust them with your mortgage needs -...
read more
Reply from Owner
December 30th, 2020 12:00 AM
Thank you for allowing me to serve you with your financing! :) I hope you make many wonderful memories in your new home.
Jeff was helpful in help us throughout the mortgage application process. He was always available for questions we had and responded to our questions promptly.
You’re reading these reviews because you are interested in finding..... a lender who will listen to your needs. JEFF STINE is your guy. A lender who will have your best interests in mind. JEFF STINE. A lender who actually knows what they are...
read more
91–100 of 171
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.