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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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
Mr. Douglas Richards was great as our loan officer. He was very persistent and diligent. He helped us close on a house is less than a month. I highly recommend going with this company for home loans.
Reply from Owner
November 9th, 2022 04:03 PM
Thank you very much for your review and your business! With your help, Doug and our team were able to get you closed very quickly. We are so happy to have assisted in your new home purchase!
What an awesome experience from start to finish! I was blessed to work with Marc Levine who is not only tremendously skilled in his profession but extremely kind. In a word "perfect".
Kind regards
Reply from Owner
November 3rd, 2022 05:46 PM
Thank you for your feedback. Marc and our team like to go above and beyond to help our clients. Enjoy your new home and thank you very much for your business!
Doug Richards and his team are a joy to work with! Doug was always very responsive and genuinely wanted to make sure I got a home that I would be happy with. He walked me through all of the steps. The team is extremely nice and easy to work...
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Reply from Owner
November 1st, 2022 09:47 PM
Asti, thank you so much for allowing our team to assist you! We hope you enjoy your new home. Doug is one of the best!! He and our team really enjoyed working with you as well. Thank you.
I worked Stephen, Brittany and Vicki on a recent transaction as the Selling Agent and they were great! Incredible communication and true teamwork to get the deal done. My client and I couldn't be more pleased. Thanks for your hard work!
Reply from Owner
November 1st, 2022 09:43 PM
Thank you for the feedback! We take pride in working hard and delivering for our clients and realtors. You did a wonderful job as well finding a great home for our client and negotiating a really good deal for him!!
Stephen & his team at Acopia Home loans are awesome! Very communicative & easy to work with throughout the home buying transaction. They are experienced & personable, that goes a long way in this industry. Appreciate the team effort every time!...
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Reply from Owner
October 11th, 2022 09:38 PM
Thank you for the feedback! We enjoy working with you as well and thank you for trusting our team.
Very professional, knowledgeable and responsive!
Reply from Owner
October 4th, 2022 05:36 PM
Thank you Alan! We appreciate your business!
Jerome was amazing. He made the process for my client smooth and easy. Looking forward to working with him again with mutual clients!!
Reply from Owner
October 4th, 2022 02:56 PM
Thank you for the kind words and 5-star review! Look forward to helping many more clients. Thanks
I have been working with Stephen Gowen with Acopia for years! His outstanding service and attention to detail is unmatched! He is the best in the business!
Reply from Owner
October 3rd, 2022 08:44 PM
We appreciate the feedback Melanie. Thank you very much!
Stephen and everyone at Acopia home loans has been amazing throughout the entire process of buying a home. I have purchased two homes and refinanced through Acopia and I recommend them to everyone. Very quick and thorough responses to all your...
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Reply from Owner
September 30th, 2022 05:10 PM
Mike, My team and I are glad to assist. Thank you for trusting us each time and your feedback. Thank you for your business.
I have worked with Stephen Gowen on many transactions and always get the same outcome…Success! Stephen makes the process go smoothly and sets up expectations for the purchase. 10/10
Reply from Owner
December 31st, 2022 04:34 PM
Thank you for your business and feedback Chris! You also do a great job as an agent for your buyers and sellers. Our team loves working with you, thank you.
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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
Central Standard Time (CST)
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.