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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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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Miranda Kelley was great to work with. She provided high quality customer service to my client and made sure that the entire loan application process was easy and stress free from start to finish.I highly recommend her to anyone needing to...
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Reply from Owner
March 4th, 2026 05:16 AM
I appreciate your kind words and recommendation, Lesya. It was my pleasure to ensure a smooth application process for you and your new homeowner. I always enjoy working with you and your clients. I'm always happy to help!
Miranda is a Realtor's dream lender. She takes care of my clients and works through issues like the professional she is. I cant recommend her enough.
Reply from Owner
March 4th, 2026 05:18 AM
I appreciate your kind words and recommendation, Sandra. It's important to me to ensure that both realtors and their clients have a smooth experience, and I’m glad that you felt well-supported. Thank you for your feedback, and continued partnership....
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Where do I start -Working with Miranda has been the best experience in my life. She’s always there for any questions we have even on weekends. This was truly a blessing have you to assist us on our forever home, we can’t thank you enough!!!!!...
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Reply from Owner
March 4th, 2026 05:19 AM
Hearing about your positive experience truly means a lot, Jessica. I'm glad I could be there to assist you with your new home and answer any questions you had. Thank you for your kind words, and please don’t hesitate to reach out if there's...
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Miranda and her team are absolutely incredible! Easy to work with and always willing to answer any and all questions as soon as possible! Wouldn’t have asked for it any other way! Highly recommended and highly appreciated!
Reply from Owner
September 23rd, 2025 02:26 PM
Thank you for the kind words and 5-star review, James! So glad you had a wonderful experience!
Miranda is the best! The process of buying a home isn’t easy but with her guidance the process went smoothly. She was always available, went above and beyond to assist and answer all of our questions. She is a rockstar!!!!
Reply from Owner
September 12th, 2025 05:22 PM
Thank you for the kind words, Brittany! Welcome home!
Miranda and her crew helped my family with our first home purchase. Without help from her, Courtney, and Summer, I would’ve been lost from the start but they were there every step of the way, ensuring I understood everything and making sure...
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Reply from Owner
March 4th, 2026 05:21 AM
I'm pleased to hear that I could play a part in helping your family with your first home purchase, Kevin. It's important to me that you felt supported throughout the process and understood everything along the way. If you have any more questions...
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Miranda Kelley - Team Acopia | Lower Mortgage has received a review with 5 star rating from Tiffany S
Reply from Owner
March 4th, 2026 05:21 AM
I appreciate the positive rating, Tiffany. If there's anything you'd like to discuss or need assistance with in the future, feel free to reach out.
Very helpful, great communication goes above and beyond!
Reply from Owner
March 4th, 2026 05:22 AM
I'm pleased to know that you appreciated my efforts and communication, Cristian. Thank you for sharing your thoughts, and don't hesitate to reach out anytime.!
Miranda and her team are truly amazing! We were closed in less than 30 days and it wouldn’t have been possible without them!!
Reply from Owner
August 14th, 2025 05:37 PM
Thank you for the kind words and 5-star review, Jaclyn! We're so glad you had a great experience!
This is a great people to work with, they walk me through the process. Highly recommended!!!
Reply from Owner
June 13th, 2025 02:10 PM
Thank you for the 5-star review and kind words, Sinthya!
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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.