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Lower - Oxford, AL
Oxford, 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
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Miranda was so amazing and helpful and she explained everything so well, this was definitely a long and difficult journey but I'm so grateful have miranda working with us
I had a great experience working with Miranda she always made sure to answer all my questions and explmined things and made it clear. She also was really good about communicating and staying in touch.
Nikki is so sweet and made our experience so smooth and painless.
Reply from Nikki Benefield
October 22nd, 2026 02:25 PM
Thank you for choosing me! It was a pleasure working with you!
Nikki was always willing to answer our questions and concerns. She explained the process each step of the way. Nikki is a great asset for your team.
Reply from Nikki Benefield
October 22nd, 2026 02:25 PM
It was a pleasure working with you! I wish you many years of happiness in your new home!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Lulu M
She is very helpful, sincere, sacrifice times, energetic to get over the buying house processing I love this woman to help me to get the house , which you never disappoint if you allow her to help you out for house buyer process.
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Reply from Miranda Kelley - Team Acopia | Lowe...
October 11th, 2026 01:48 AM
It's wonderful to know that you felt supported throughout the house-buying process, Ponsopa. I loved working with you. I'm grateful for your kind words and happy to have been part of your journey. Congrats on your new home!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Tyler L
Reply from Owner
October 11th, 2026 01:48 AM
I'm grateful for your positive rating, Tyler. It's wonderful to know that your experience with me and the team at Lower was a good one. Congrats on your new home!
Excellent people to work with especially Miranda! She was very helpful and quick with the closing process. Would highly recommend working with them!
Reply from Miranda Kelley - Team Acopia | Lowe...
October 11th, 2026 01:49 AM
Thank you Tyler. Working with you was a great experience, and I'm grateful for your recommendation. I am always here to assist anytime. Congratulations on your new home!
Nikki was highly responsive and was always there to help us with any questions we had. She went above and beyond for our family and we couldn't be more grateful!
Reply from Nikki Benefield
October 5th, 2026 05:02 PM
It was such an honor to work with your family! Thank you for putting your trust in me. I wish you many years of happiness in your new home!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Samantha P
Reply from Owner
October 11th, 2026 01:50 AM
Samantha, thank you for your positive rating. I'm glad you had a good experience with me and the team at Lower. Welcome home!
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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.