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 has helped me through two home loans. He is always available for questions and very thorough in his responses, making sure I understood the financials and expectations. He goes above and beyond and is so pleasant to work with....
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Reply from Owner
September 30th, 2022 05:11 PM
Tess, glad to help and thank you for allow us to work with you each time. Your business and feedback are appreciated. Thank you.
Acopia Homeloans was so great to work with. Stephen answered all my questions and made sure everything ran smoothly and on time. This is my second time working with him - highly recommend!
Reply from Owner
September 30th, 2022 05:08 PM
Emily, congratulations on your new home! We enjoyed working with you again as well. Thank you for your business! .
Jerome was great throughout the process and kept me updated with our client! I love closing deals with Acopia and Jerome. It was seamless!
Reply from Owner
September 26th, 2022 01:30 PM
Thank you for the kind words, Shaleha! We're so glad you had a great experience!
I truly enjoyed working with "Jerome Your Lender." Jerome was diligent in completing the work necessary to get my client pre-approved and clear-to-close. I recommend him and definitely will be working with Jerome and Acopia Home Loans in the...
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Reply from Owner
September 30th, 2022 05:13 PM
Luco, Team work makes the Dream work! Outstanding job as well representing the client as their buyer's agent. We appreciate your hard work as well. Thank you!
Acopia Home Loan is best lender in Georgia. I had 3 loans with Acopia and keep coming back to them due to their excellent service. They are prompt, reliable and great at meeting deadlines.
Stephen Gowen - Team Acopia - Lower Mortgage has received a review with 5 star rating from Martaveus C
Reply from Owner
September 1st, 2020 12:56 PM
Thanks for the 5-star review, Martaveus!
Stephen did a fantastic job making my mortgage happen in just 2 weeks. He got me a great rate, was very responsive every step of the way. Stephen and his team guided us through the process step by step. I wouldn’t hesitate to recommend Stephen...
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Stephen is committed to providing not only excellent service, but also to ensuring the process of securing a mortgage is a positive one. His communications were very precise and expectations clear- which was much appreciated. I would definitely...
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I've been working with Stephen for 2 years while we searched for a perfect home. He did many pre-quals and we finally found our home and closed quickly. Definitely a value added Lender.
I had a great experience using Stephen Gowen with Acopia Home loans. The process was incredibly smooth and I was extremely happy with the end result. Highly recommended!
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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.