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Lower - Orange Beach, AL
Orange Beach, AL
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
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Communication was excellent throughout the entire process—they were always responsive, clear, and made sure we understood every step along the way.Mike truly stood out by treating us like we were borrowing a million dollars, even though our...
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Reply from Mike Carey
April 17th, 2026 05:23 PM
Ines, I'm grateful for your kind words about the communication and care you experienced. Treating each client with the utmost respect, regardless of loan size, is something I strive for, and I'm pleased it made a difference for you. Thank you...
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Dick Edwards
Dick made the process very easy for us
Reply from Dick Edwards
April 6th, 2026 06:58 PM
I'm pleased to hear that the process was easy for you. If there's anything else I can assist with, please feel free to reach out.
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Mike and his team were very intuned with his clients. He checked in on us before, during,.and after closing.,was very much appreciated . Mike and his team made it a very pleasant experience! Thank you Mike!
Reply from Mike Carey
March 19th, 2026 03:57 PM
Debra, I'm pleased to know that you appreciated the communication throughout the entire process. Keeping in touch before, during, and after closing is important to me, and I'm glad it made for a pleasant experience for you. Thank you for your...
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Mike was Very knowledgeable through the whole process. I feel his team was very professional and knowledgeable also. They made it very easy doing the paperwork on line. Always answered the phone or called you back promptly and answered any...
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Reply from Mike Carey
March 17th, 2026 01:10 PM
Steven, it's great to hear that you found the process seamless and appreciated the support you received from both me and my team. Making paperwork easy and being responsive to your questions is a priority for us. I’m glad we could meet your...
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Mike and team were professional, knowledgable and on top of things throughout the loan process. Automation was also excellent and contributed to a smooth process. If we need help with a mortgage in the future, we'll certainly reach out!
Reply from Mike Carey
March 5th, 2026 04:07 PM
James, I appreciate your kind words. It's great to know that you found the process smooth and my team's professionalism and knowledge met your expectations. Automation is something we strive to incorporate effectively, and I'm glad it made...
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Mike was super patient with us, explained everything every step of the way. Did not hesitate to jump on a call if we had questions or needed further explanation. We could not be happier with our experience.
Reply from Mike Carey
February 27th, 2026 07:56 PM
Jennifer, it's wonderful to know that you found the process clear and supportive, and I'm glad I could assist by answering your questions whenever they arose. Your happiness with the experience is what I aim for, and I appreciate you sharing...
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Mike is great! He helped us workout the numbers so we could buy our first house. He was available whenever we needed him. I would definitely recommend him to anyone I know looking to finance a home. Thanks Mike!
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Reply from Mike Carey
February 17th, 2026 02:46 PM
I'm really pleased to hear that you had a positive experience, Sawyer. It was my pleasure to assist you with the numbers for your first home purchase. I always strive to be available and supportive throughout the process. Your recommendation...
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I was referred to Mike Carey and Acopia Home Loans by my realtor. Everything about Mike is topnotch - helpful, knowledgeable, available, patient and thorough with product and process questions, professionalism. He goes above and beyond expectations...
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Reply from Owner
April 30th, 2026 04:54 PM
It was my pleasure to assist you. I hope the pool is going in, and you are swimming soon.
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As a Realtor I work with many lenders. Mike and the team at Acopia was great to work with. They communicated well throughout the whole process. This allowed for us to handle any issues as they arose and were dealt with quickly. Mike is a true...
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Reply from Owner
April 30th, 2026 04:54 PM
Jeff, Thank you for the kind words! Let's get together soon on another deal.
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Mike was fantastic to work with. He was helpful
Throughout the entire process from start to finish and maintained great communication. Mike truly cares about his clients and helps tailor the best loan for their needs.
Reply from Owner
April 30th, 2026 04:55 PM
Dustin,
Thank you for the kind words. It is appreciated.
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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
Central Standard Time (CST)
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.