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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Stephen insured we understood the process from beginning to end. He was very responsive, communicated with us regularly and quickly addressed any questions we had about the lending process. We always felt like we were in good hands. Purchasing...
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Stephen was so amazing in our home buying process seven years ago and then again this year when we refinanced! I would absolutely recommend him to anyone who is needing a home loan. He went over and beyond to make sure we were up to date on...
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I was referred to Stephen in 2012 when I was searching for a new home. He and his team were very helpful thru the entire process. He was quick to respond when I had questions and the whole process went very smoothly. Recently, I went back to...
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Working with Stephen was a great experience! Buying a home can be stressful but the extra information provided around every corner made the whole experience much easier. We were able to watch videos upon every step that helped us understand...
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Amazing, helpful, patient, and returned EVERY. SINGLE. PHONE CALL (huge plus for us) Kept me updated with every single step of the loan process. His team worked diligently to get everything done on time before the closing date.
Stephen and his team have been an absolute pleasure to work with. I did my original loan with Stephen 4 years ago and he is now doing my refi. The process has been extremely user friendly and everything has gone as Stephen predicted. He laid...
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Great job. The whole team kept me informed and update. They were on-time with all steps in the process. Great job! I will send other business there way. I ready appreciate your professionalism and dedication in the process.
Stephen is very detail oriented and a pleasure to work with! I would recommend him to anyone and everyone! He made the mortgage process feel very uneventful and seamless! It definitely feels like the edge is taken off when working with him!Thank...
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He was very helpful, knowledgeable and caring about my family's needs. We have a big family and we were not sure if we were going to sell our old home and buy a new one. Stephen and his staff took the time to work with us and our crazy schedules;...
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Stephen Gowen is a true professional! He was quick to respond and eager to help with any need or question i had. I would highly recommend his services to anyone and will use him again when the next opportunity arises.
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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.