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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
Location & Business Hours
Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM(Open now)
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Reviews from Web
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Kesha J
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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Miranda went well above and beyond for us.We really enjoyed working with her. And she explained every detail to us.
Reply from Miranda Kelley - Team Acopia | Lowe...
July 31st, 2026 07:03 PM
Felicia, I'm grateful for your kind words. I'm pleased to hear that you enjoyed working with me and you had a smooth process. If you need any further assistance, feel free to reach out. Welcome Home! :)
This is my third time using Miranda for financing a house Her and her staff are always great to deal with
Reply from Miranda Kelley - Team Acopia | Lowe...
July 18th, 2026 04:12 PM
Julie, I'm so grateful for your continued trust in me and my team for your home financing needs. It's always a pleasure working with you, and I appreciate your kind words about our service. Thank you for choosing us once again!
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.
Reply from Miranda Kelley
July 18th, 2026 04:15 PM
Curtis, thank you for your kind words. We’re so glad to hear that you had a positive experience, and we truly appreciate you taking the time to share your feedback. We wish you and your family many blessings and happiness in your new home!...
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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!
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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.