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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
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
The communication was always on point
Reply from Miranda Kelley - Team Acopia | Lowe...
September 16th, 2026 07:40 PM
I'm glad to hear that the communication met your expectations, LaTeisha. I am honored to have been a part of this journey with you. We are here for you in the future if you need anything. Welcome Home.
Miranda is truly what made our home-buying experience so great! She went above and beyond for us every step of the way, and we honestly could not have asked for anyone better.She walked us through the entire loan process and made sure we understood...
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Reply from Miranda Kelley - Team Acopia | Lowe...
September 8th, 2026 02:48 PM
Terri, I'm so grateful for your kind words and am pleased to hear that your home-buying experience was excellent. It was my pleasure and an honor to guide you through the loan process, and we couldn't be prouder that you are now a homeowner!...
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We truly enjoyed working with Miranda. She was extremely detailed, organized, and thorough in her approach. Her attention to detail helped ensure that tasks were completed accurately and efficiently, and her professionalism made collaboration...
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Reply from Miranda Kelley - Team Acopia | Lowe...
September 2nd, 2026 06:31 PM
I appreciate your kind words, Jesse and Melissa. It's wonderful to hear that the process with me and team was excellence. It was such an honor being a part of this journey with you guys. I'm glad the effort and dedication were valued, and I...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Melissa M
Reply from Owner
September 1st, 2026 06:55 PM
Thank you for the excellent rating! It was a pleasure working with you guys. Welcome Home Martin Family!
Miranda was very informactive and easy to contact through the whole process. My husband and I highly recommend her and will be using her in the future as we will be helping my mother in law transition to Alabam. Very impressed by her expertis....
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Reply from Miranda Kelley - Team Acopia | Lowe...
September 1st, 2026 06:13 PM
Melissa, I'm glad to hear that communication was great throughout the process. Thank you for your recommendation, and I look forward to assisting you and your family in the future with your mother-in-law's transition to Alabama. It was a privilege...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Laila A T _
Reply from Owner
September 1st, 2026 06:11 PM
Laila, thank you so much for the perfect rating. I’m glad to know you had a positive experience with me and my team at Lower. Welcome Home!
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!
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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.