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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
Miranda took great care of us every step of the way.
Reply from Owner
June 9th, 2025 04:45 PM
Thank you, Victoria!
Miranda and all the staff at Acopia were very helpful. I honestly felt so special as they went above and beyond to make my situation work.
Reply from Owner
April 7th, 2025 05:09 PM
Thank you for the kind words and 5-star review, Gary! We're so glad we were able to help! Welcome home!
One of the best in the business!
Reply from Owner
April 7th, 2025 05:09 PM
Thanks so much for the kind words, Amy!
It’s always an enjoyable experience working with Miranda and her staff. This is the second time I have worked with her for a mortgage loan and I wouldn’t do it without her! Her and all of her staff are great to work with!!
Reply from Owner
March 27th, 2025 08:23 PM
Thanks for the kind words and 5-star review, Julie!
Miranda is amazing at what she does! I have not had one transaction with her that she didn’t put the customer first. She thinks outside of the box, goes above and beyond while exhausting every avenue to get our clients to the closing table...
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Reply from Owner
March 14th, 2025 08:16 PM
Thanks so much for your 5-star review and the kind words! I l appreciate your business and look forward to working with you again in the future!
Miranda is AMAZING! She always puts the client first and goes above and beyond! You can’t go wrong with her on your side!
Reply from Miranda Kelley - Lower Mortgage
March 4th, 2026 05:23 AM
I'm very grateful for your kind words, Tonia. It's important to me to ensure that my clients feel prioritized and supported throughout the process. If you ever need further assistance, don't hesitate to reach out!
Miranda is the best you will find anywhere. We had numerous obstacles to deal with being a mobile home, and Miranda made the process as painless as she could.
Reply from Owner
March 5th, 2025 10:16 PM
Thank you for the kind words and 5-star review! Welcome home!
Miranda was awesome the whole time. Kept us updated on everything and explained everything to us very well. Highly recommend
Reply from Owner
March 27th, 2025 08:28 PM
Thanks so much for the kind words, Brianna!
I couldn’t be happier that I chose to work with Miranda. She has been extremely helpful and very knowledgeable about every aspect of the home buying process. I would be completely lost without her! She’s been there every step of the way at...
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Reply from Owner
June 4th, 2026 07:31 PM
Thank you so much Heather for your review. We are extremely happy for you and hope you are still enjoying your home!
This is my first time experiencing buying a home and having a mortgage this has been a wonderful experience with Miranda Kelly at Acopia home loan's and with very reasonable monthly payments Miranda Kelly at Acopia home loans she will make...
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Reply from Owner
January 9th, 2025 07:11 PM
Thank you SO much for the kind words and 5-star review, Wanda! We are so happy you had a wonderful experience. Welcome 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.