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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
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 was willing to answer any and all questions I had before and during the process of major decisions. She informed me with the needful and necessary knowledge I didn't have. She is a wonderful person to work with.
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Tanner H
Reply from Owner
July 10th, 2026 05:49 AM
Thank you Tanner for the 5-Stars. It was an honor working with you. Welcome Home!
Miranda was amazing to work with! She was available at all times to answer any question that I had! Throughout the whole process , she was right by my side! I would definitely reccomend Miranda to anyone who is thinking of buying a home!
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Reply from Miranda Kelley - Team Acopia | Lowe...
July 10th, 2026 05:53 AM
Thank you, Tanner, for your kind words. I'm glad to hear that you were very happy with the process. Your recommendation is greatly appreciated, and it means a lot to me. I am so thrilled for your new beginnings in your new home!
Thank you Miranda & Your Team y’all are the Best
Reply from Owner
July 6th, 2026 06:36 PM
Thank you, Chez, for the 5-star review! It was truly a pleasure working with you both throughout the homebuying process. If there's ever anything we can help you with in the future, please don't hesitate to reach out. Welcome home, and blessings...
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Great communication Great Teamwork never ran into one problem
Reply from Miranda Kelley - Team Acopia | Lowe...
July 7th, 2026 04:52 AM
Thank you Chez! It was a pleasure working with you, Congratulations on your new home! Wishing you many years of happiness and blessings. If you ever need anything in the future, we're always here to help.
Miranda's knowledge and her professionalism made this a smooth proccess. Her availibilty was also a bonas to any and all questions we had and her demeanor in general was pleasant at all times.
Reply from Miranda Kelley - Team Acopia | Lowe...
July 2nd, 2026 12:53 AM
Thank you so much Laura! It was truly a pleasure helping you through this process. I'm so glad I could make everything as smooth as possible. Thank you for trusting me with such an important milestone. I wish you many years of happiness in...
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Miranda and her team were amazing. They communicated through the entire process. I highly recommend.
Reply from Owner
July 2nd, 2026 12:54 AM
Thank you so much for your kind words and recommendation! It was a pleasure helping you through the process. Wishing you many happy memories in your new home, and may God bless you and your family! 🏡❤️🙏
Communication
Reply from Miranda Kelley - Team Acopia | Lowe...
July 2nd, 2026 12:55 AM
Thank you so much for your 5-Star Review! Wishing you many blessings in your new home!
Miranda and her team are The Best Easy to work with and always willing to answer any questions Highly recommended and highly appreciated
Reply from Owner
July 2nd, 2026 12:57 AM
Thank you Chez! It was truly a pleasure helping you through your home loan journey. My team and I are grateful for the opportunity to be a part of such an important milestone. Thank you for trusting us, and we pray for many blessings and wonderful...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Austin M
Reply from Owner
June 23rd, 2026 02:36 AM
Thank you for the perfect rating, Austin. I'm grateful for your support and trust in my team and me.
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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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