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Lower - Oxford, AL, 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
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and...
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Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Roger F
Reply from Owner
June 7th, 2026 02:03 AM
Thank you so much for the 5 star review, Roger. It was a pleasure working with you. Wishing you many blessings in your new home.
Miranda made the home buying experience simple and easy. She is an excellent communicator and was ready to answer all of my questions promptly. She was extremely patient as well due to me being a first time home buyer. I would recommend her...
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Reply from Miranda Kelley - Team Acopia | Lowe...
June 6th, 2026 07:18 PM
Thank you so much, Rogers! It was truly a pleasure helping you through your first home purchase. I'm glad I could make the process simple and be there to answer your questions every step of the way. Congratulations on your new home, and thank...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Camrie D
Reply from Owner
June 4th, 2026 07:29 PM
Thank you Camrie on the 5 star review. It was a pleasure working with you and getting you in your new home :)
The whole process was really smooth and anything I needed broke down and explained she was there to do so or give me any advice .
Reply from Miranda Kelley
June 4th, 2026 03:11 PM
Thank you, Camrie! It was a pleasure helping you through the homebuying process. I'm so glad I could make everything clear and be there to answer your questions along the way. Congratulations on your new home, and thank you for trusting me...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Kristin P
Reply from Owner
June 4th, 2026 03:45 PM
Thank you, Kristin, for the 5-star review! It was a pleasure working with you and helping you get into your new home. Congratulations, and I wish you many happy memories there! 🏡😊
Miranda is amazing! The level of communication is outstanding. She kept us up to date on everything. As first time home buyers she made sure we clearly understood everything. Always answered our phone calls and questions. I cant recommend her...
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Reply from Miranda Kelley
May 30th, 2026 07:26 PM
Thank you so much for the kind review! It was a pleasure helping you and Kristi through your first home purchase. I'm grateful for the trust you and your family placed in me, and I'm so happy for you guys. Congratulations on your new home and...
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Miranda has been very kind and made this whole process easy without her I would've been so lost any questions i had she was one phone call away and always let me know that
Reply from Miranda Kelley
May 30th, 2026 07:28 PM
It was a pleasure working with you, Chloe and I truly appreciate the trust you placed in me. I loved being a part of this journey with you! Congratulations on your new home! 🏡😊 I'm still just a call away if you need me in the future ;) Welcome...
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Nikki was very kind , thoughtful and always was available to answer questions for me and if there was anything she didn't know, she would get the answer for me.
Reply from Nikki Benefield
May 27th, 2026 01:26 PM
It was a pleasure working with you! I wish you and your family many years of happiness and memories in your 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.
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