Stephen Gowen - Team Acopia - Lower Mortgage
Area Sales Manager | NMLS# 160949
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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Reviews from Web
Stephen Gowen - Team Acopia - Lower Mortgage has received a review with 5 star rating from Nick S
Reply from Owner
August 17th, 2026 02:05 PM
Nick, It was an honor to help you purchase your first home. It was great getting to know you and working with you. We truly appreciate your trust in guiding you through the home buying experience. Congratulations again on this exciting milestone—we...
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Communication, knowledge, and honesty.
Reply from Stephen Gowen - Team Acopia - Lower...
August 17th, 2026 02:03 PM
Thank you so much for your kind words! It was an honor to help you purchase your first home. It was great getting to know you and working with you. We truly appreciate your trust and are thrilled that our communication, knowledge, and honesty...
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Super quick response time and very helpful
Reply from Stephen Gowen - Team Acopia - Lower...
July 29th, 2026 01:10 PM
Congratulations on your new home! Thank you for your kind feedback and for trusting my team and me with your mortgage. You were wonderful to work with and helped make the entire process go smoothly. We truly appreciate your business!
Very great to work with! Huge help!
Reply from Stephen Gowen - Team Acopia - Lower...
July 27th, 2026 08:05 PM
Thank you so much for the kind review! It was a pleasure helping you through the homebuying process. We truly appreciated your responsiveness and cooperation, which helped everything go smoothly. Congratulations on your new home and thank you...
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Stephen was professional, responsive, and kept me informed throughout the entire closing process. He was always available to answer my questions and worked hard to help everything move forward. I truly appreciate his dedication and would highly...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 21st, 2026 12:49 PM
Thank you so much for your kind words and for taking the time to share your experience! My team and I are truly excited for you and your family as you begin this new chapter in your new home. It was a pleasure helping you through the home-buying...
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Wonderful experience closing with Stephen Gowen & Team Acopia! We had a very quick timeframe to close and everything went just as planned. No surprises. Stephen was very quick to respond to all our questions (even the silly ones). We are very...
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Reply from Owner
July 17th, 2026 02:13 PM
Congratulations on your new home and thank you for your wonderful review! We truly appreciate you trusting us to be part of such an exciting milestone. It was a pleasure working with you throughout the process, and we appreciate how quickly...
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Stephen and his team were awesome! We had a quick close and everything went smoothly. Stephen is very knowledgeable and responsive and easy to work with.
Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:13 PM
Congratulations on your new home and thank you for your wonderful review! We truly appreciate you trusting us to be part of such an exciting milestone. It was a pleasure working with you throughout the process, and we appreciate how quickly...
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Stephen was great to work with. We really liked working with him throughout the home buying process and he did explain a lot of things really clearly, which we needed as first time home-buyers.Stephen worked to get us a great approval for our...
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Reply from Owner
July 17th, 2026 02:08 PM
Congratulations on your closing! We love to assist first time buyers with the home buying experience. You did an excellent job as well in the process, thank you! Thank you for your feedback, it is appreciated. Enjoy your new home and thank...
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Stephen was great to work with. We really liked working with him throughout our first home buying process and he did explain a lot of things really clearly. Communication was great up until closing day. The only thing that would have made this...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:09 PM
Congratulations on your closing! Thank you for your feedback, it is appreciated. We love to help our clients with the home buying experience and so glad this worked out for you. You did an excellent job as well in the process, thank you! Enjoy...
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The inspection fee for our house was missing on the closing costs and that delayed our process a little bit as we had to get a money order at the last second to resolve issue. It would have been nice to add to our closing costs since we requested...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:11 PM
Congratulations on your closing and thank you so much for taking the time to share your feedback! We truly appreciate it. It was our pleasure to help you through the home-buying process, and we're so happy everything came together successfully....
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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
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Year Started
1997
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 160949
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.