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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
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Business Hours
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9 AM to 5 PM
Sat
closed
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closed
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Reviews from Web
Amazing!!!!!
Reply from Owner
May 7th, 2026 02:06 AM
Thank you Ellen! Wishing you many blessings in your new home!
We trued this home buying process over a year ago now & Miranda & team tried their best but wouldn't go through so instead of just writing us off she told us to wait a year, gave us tips on how to help ourselves over that year and we came back...
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Reply from Miranda Kelley
April 21st, 2026 02:12 PM
I'm grateful for your kind words, Margaret. It's been a wonderful journey working with you and Brooke, and I'm so glad to see your efforts over the past year have paid off. Building such lasting relationships is what I strive for, and I truly...
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Very nice and easy and works with your schedule and
Reply from Owner
May 7th, 2026 02:08 AM
Nick, I'm glad to hear that you found the process nice and easy. Thanks for allowing me to be a part of your journey. It was a pleasure working with you.
very nice and works with your schedule and needs
Reply from Miranda Kelley
April 3rd, 2026 03:14 PM
Thank you so much! I always strive to be flexible and work around our client's schedule to make the process as smooth as possible. It was a pleasure working with you! Let me know if I can be of help in the future. Many blessings in your new...
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Miranda Was wonderful throughout this entire process. She was always available, and she always answered any questions that we had with ease. I would recommend her to anyone.
Reply from Miranda Kelley
April 1st, 2026 01:37 PM
Thank you so much Madison! I’m so glad I could be there to help guide you through the process and make everything feel a little easier along the way. Wishing you guys all the best in your new home!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Karina M
Reply from Owner
April 3rd, 2026 03:15 PM
Thank you Karina for the 5-star review! We enjoyed working with you and are here to serve you in the future if needed. Welcome home!
Communication, advice provided and timeliness.
Reply from Miranda Kelley
April 1st, 2026 01:39 PM
Thank you Karina! I appreciate you trusting me during the process. It was a pleasure working with you. Wishing you and your sweet family many blessings in your new home!
Miranda Kelley was absolutely amazing! As a first-time homebuyer purchasing out of state, I thought the process would be difficult—maybe even impossible—but she made it all happen. Her knowledge, professionalism, patience, and positivity truly...
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Reply from Owner
April 1st, 2026 01:42 PM
Thank you so much for your kind words! It truly means a lot to me. You were amazing to work with, and I’m so happy we were able to get you into the perfect home! I appreciate you trusting me with such an important milestone. I'm looking forward...
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Miranda Kelley was absolutely amazing! As a first-time homebuyer purchasing out of state, I thought the process would be difficult—maybe even impossible—but she made it all happen. Her knowledge, professionalism, patience, and positivity truly...
read more
Reply from Miranda Kelley
April 1st, 2026 01:43 PM
Thank you so much, Gracia! Your kind words truly mean the world to me 💛I’m so glad I could make the process feel smooth and give you the confidence every step of the way. You were amazing to work with, and I’m so happy we were able to get...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Madison T
Reply from Owner
April 1st, 2026 01:44 PM
Thank you Madison for the 5-Star Review! It was a pleasure working with you and Jacob on getting you into that perfect 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.