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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
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
The level of understanding og our situation and how she helped everything work out in our favo.
Reply from Miranda Kelley
April 1st, 2026 01:44 PM
Thank you Craig. It was an absolute pleasure working with you, and I appreciate you trusting me in this journey. Wishing you all the best in your new home!
Miranda was so knowledgeable, kind and she truly went above and beyond to help me. She answered all my questions and concerns promptly!! I would definitely recommend her to my friends and families!!
Reply from Miranda Kelley
April 1st, 2026 01:45 PM
Thank you so much for your kind words! 💛 I’m so glad I could help answer your questions and make the process feel a little easier along the way. It was such a pleasure working with you, and I’m incredibly grateful for your trust. I appreciate...
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Miranda and her team were exceptional! As a first time homebuyer, they answered all of my questions and helped me with any unexpected hurdles. I cannot thank this team enough.
Reply from Owner
April 1st, 2026 01:47 PM
Thank you Sara! It truly means a lot to me and my team. We’re so glad we could be there to answer your questions and help navigate thru the process. We’re so excited for you as a first-time homeowner! 🏡✨ Please don’t hesitate to reach out...
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Miranda and her team were able to answer every question I had and help guide me through any unexpected hurdles. The team's communication, timeliness, and advice was absolutely incredible. They worked tirelessly to make sure the home buying...
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Reply from Miranda Kelley
April 1st, 2026 01:48 PM
Thank you Sara! It truly means a lot to me and my team. We’re so glad we could be there to answer your questions and help navigate thru the process. It was an absolute pleasure working with you, and we’re so excited for you as a first-time...
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Very professional, easy to work with. I had a smooth process the whole time. Miranda has a great team behind her, and they all rock‼️
Reply from Owner
April 1st, 2026 01:49 PM
Thank you so much! I really appreciate your kind words 💛 I’m so glad to hear the process felt smooth and easy for you, that’s always the goal! And I couldn’t agree more, I’m incredibly lucky to have such an amazing team behind me. We truly...
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Miranda stayed on top of everything, and she made the process so easy for me! She has a great team behind as well.. As long as you have all the documentation you need, it's pretty much a smooth process. Very professional.
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Reply from Miranda Kelley
March 30th, 2026 08:15 PM
I'm pleased to hear that you found the process smooth and easy, Tonie. Staying on top of everything is something I strive for, and it's great to know that my efforts made a positive impact on your experience. Should you need any further assistance,...
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Miranda was great! She was quick to respond for any questions and made the whole process very easy.
Reply from Miranda Kelley
March 4th, 2026 04:53 AM
Thank you, Briana! It was such a pleasure working with you. Welcome home 🏡 Please reach out anytime. I’m happy to help whenever you need me!
Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Bailey B
Reply from Owner
March 4th, 2026 05:13 AM
I appreciate your positive rating, Bailey. Thank you for allowing us to be a part of your home loan process!
Communication , guidance, willingness to help, advocacy
Reply from Miranda Kelley
February 27th, 2026 03:11 PM
I'm really glad to hear that you found my communication, guidance, and willingness to help so beneficial, Dennis. It's always my aim to advocate for your needs effectively. Thank you for taking the time to share your feedback, and I'm here...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Elijah P
Reply from Owner
March 4th, 2026 05:14 AM
I appreciate you giving me a perfect rating, Elijah. If you need any assistance in the future, feel free to reach out.
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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.