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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
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
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Tyler L
Excellent people to work with especially Miranda! She was very helpful and quick with the closing process. Would highly recommend working with them!
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
The entire team was fantastic!!!
Reply from Miranda Kelley - Team Acopia | Lowe...
September 29th, 2026 01:34 PM
Thank you for sharing your positive experience! It was an honor to be on this journey with you guys.
I will never do business with anyone else but Miranda great experience.
Reply from Miranda Kelley
September 29th, 2026 01:37 PM
I'm glad to hear you had a great experience, Kayla. Working with clients like you is truly rewarding, and I look forward to assisting you again in the future.
Nikki was so patient, understanding and was just all around amazing. This was my first experience purchasing a home and she made it so simple and explained every small question I had! I have already referred her to a friend and I will continue...
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Reply from Nikki Benefield
September 30th, 2026 05:10 PM
Jessica, I'm glad to hear that I could make your first home purchase a smooth and simple experience. Your referrals mean a lot to me, and I appreciate your trust and kind words. Working with clients like you at Lower is truly rewarding.
Miranda went above and beyond constantly to be available for questions and concerns any time! She was amazing!
Reply from Miranda Kelley - Team Acopia | Lowe...
September 23rd, 2026 05:56 PM
I'm glad to know that I could be there for your questions and concerns, Janeen. It was a pleasure working with you, and I'm happy to hear that you had such a positive experience! Welcome Home!
Miranda is the best I highly recommend her to anyone she was there from the beginning to the end
Reply from Owner
September 23rd, 2026 05:57 PM
I'm grateful for your high recommendation, Stacy. It's wonderful to know that I could be there for you throughout the entire process. Thank you for sharing your experience!
Miranda did an excellent job I would recommend her to everyone if had had any questions or concerns she would respond or she would say just shoot me a text she was there from the beginning to the end I highly recommend Miranda
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Reply from Miranda Kelley - Team Acopia | Lowe...
September 22nd, 2026 07:37 PM
I'm glad to hear that you felt supported throughout the entire process, Stacy. Your recommendation means a lot to me and I'm grateful for your kind words. It was an honor working with you. Let me know if you have any questions in the future,...
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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.