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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closed
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closed
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Reviews from Web
MY EXPERIENCE WAS GREAT WITH THIS COMPANY. MY LOAN CLOSED A WEEK AHEAD OF SCHEDULE. I CAN NOT SAY ENOUGH ABOUT STEPHEN. I DON'T TRUST ANYONE BUT STEPHEN MADE A BELIEVER OUT OF ME. EVERYTHING I QUESTIONED I GOT A GOOD EXPLANATION WITH GREAT...
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This is our 3rd time using Stephen. Each experience is better than the last. Will definitely use him again in the future and recommend him to family and friends.
Working with Stephen was a pleasure. He was very informative and professional. He made everything a smooth process. He definitely exceeded my expectations. I strongly recommend him.
Stephen Gowen is professional,effient and understanding. He's team members are realible folks nothing but professional. Very easy to work with. He's office is super close to my work place very convenient.
Stephen was very knowledgeable about the whole loan process. Very quick to respond to both calls and emails. Was able to explain the process very well
Stephen Gowen is one of the most responsive lenders I've ever worked with for professional and business real estate transactions. He returned every phone call or email the same day (often within a few minutes) and worked tirelessly to come...
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Stephen was helpful from the beginning of the process till the end. We were first time home buyers and he explained every step, making us comfortable with everything we were signing. He responded to questions and phone calls quickly, always...
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Stephen and his team did everything in their power to make sure our homebuying journey went smoothly. Stephen is very knowledgeable when it comes to all of the local financing options by region and the options for first time homebuyers. Every...
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We were beyond pleased with Stephen and his team. Every step of the way Stephen made himself available to answer any questions we had or just to confirm that we were on the right track. He made sure we got a loan that perfectly fit our needs,...
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Stephen was great, he sent me a customized video detailing the process for each step. He explained what he needed from me and the reason he needed it. I listened and within 25 days of finding my home, i got the call that we were ready for close....
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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.