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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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Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
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 Laila A T _
Miranda made the entire process amazing with great communication and the skills needed for this transaction
Reply from Miranda Kelley - Team Acopia | Lowe...
August 21st, 2026 03:02 PM
Laila, I'm glad to hear that you found the process smooth. Your feedback means a lot to me, and I appreciate your kind words.
It being done and over with
Reply from Miranda Kelley
August 21st, 2026 03:05 PM
Timothy, I'm glad to hear that everything is completed and you are now officially a homeowner. Thanks for allowing me to get you to the closing table.
Where do I even start, Miranda was great she was transparent in every aspect, and was always a phone call away. I can't recommend her enough!
Reply from Miranda Kelley - Team Acopia | Lowe...
August 11th, 2026 09:01 PM
Jackson, I'm grateful for your kind words and recommendation. It means a lot to know that you appreciated my transparency and felt supported throughout the process. If you ever need anything else, I'm just a phone call away!
Where do I even start. Miranda was awesome! She answered any questions my wife, and I had and was very transparent. She is excellent at her craft, and I’m so glad we used her.
Reply from Owner
August 11th, 2026 09:02 PM
I'm glad to hear that you and your wife had such a positive experience working with me, Jackson. It's great to know that my transparency and expertise made a difference for you. Thank you for your kind words!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Kesha J
Reply from Owner
August 11th, 2026 09:02 PM
Thank you, Kesha, for the great rating! I'm grateful for your feedback.
Everything was great, Miranda made the whole entire process easy they explained everything that needed to be explained and did everything she could to help during this process and make it easy and understandable
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Reply from Miranda Kelley - Team Acopia | Lowe...
August 3rd, 2026 08:40 PM
Lesha, I'm glad to hear that you had a positive experience. Thank you for being so kind about my efforts. If you have any more questions or need assistance in the future, feel free to reach out. It was a pleasure working with you.
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Amilliona F
Reply from Owner
August 3rd, 2026 08:40 PM
Thank you, Amilliona, for the perfect rating! I appreciate your support and am here if you need anything in the future. Welcome home friend!
The excellent communication
Reply from Miranda Kelley - Team Acopia | Lowe...
August 3rd, 2026 08:41 PM
Amilliona, I appreciate the positive feedback on our communication. Thank you for sharing! Welcome HOME! :)
Nikki and Miranda were fantastic!! Any questions we had were answered quickly, kindly, and efficiently + we were kept in the loop every step of the way. So thankful for the guidance provided!
Reply from Miranda Kelley - Team Acopia | Lowe...
July 31st, 2026 09:54 PM
I'm glad to hear that you found the guidance to be helpful, Laura. Keeping you informed and answering your questions promptly is always a priority for us. Nikki definitely was the Rockstar here and I'm so glad you had a great experience! Thank...
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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.