

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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9 AM to 5 PM(Open now)
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Reviews from Web
Stephen went above & beyond expectations, he was extremely helpful during this process. He walked me thru the entire process as well as provided me with all the necessary online tools such as videos outlining each step thru out, online mortgage...
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Stephen was very friendly and professional, he made the home buying process very easy and helped clear up any questions that I had. He is honest and trustworthy!
I've worked with other lenders before but never have I had the quality of customer service that I've received from Stephen. He went the extra mile to find the right mortgage for me when I purchased my home. And when I was ready to refinance...
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Stephen and his team made the loan process smooth and seamless. The information gathering process was well defined and their timelines kept us on track. We had our clear to close in under 3 weeks!They went above and beyond when the home we...
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I had a great experience with Stephen and his team at Acopia Home Loan. They were very good at responding to all my concerns and questions. They made the home buying process smooth and easy.
As a first time home buyer, I really wasn't sure exactly what the loan process required. Stephen was very explanatory and thorough and answered all of my questions. He always responded quickly which was crucial since there are so many deadlines...
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My husband and I had a very traumatic home experience with our credit union. We found out that the credit union we had been banking with for years did not really care about our service. In fact, they did very little in trying to help us obtain...
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Very knowledgeable in what it takes to get your home loan. Steve is an expert at what he does. He's also very friendly, easy to talk to, he gets right back to you if you have a questions and he makes you feel very comfortable throughout the...
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I've worked with Stephen on my first home loan and refinance and in both situations he went above and beyond the norm. He is prompt with responding to emails and phone calls even if they came after hours. Even after our loan was complete back...
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Stephen Gowen has been great to my wife and myself. He has made my last 2 home purchases painless and smooth. With our most recent home sale/purchase he handled both our mortgage and the buyer's mortgage of our old home. Very kind and informative......
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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.