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
Stephen and his team were awesome! We had a quick close and everything went smoothly. Stephen is very knowledgeable and responsive and easy to work with.
Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:13 PM
Congratulations on your new home and thank you for your wonderful review! We truly appreciate you trusting us to be part of such an exciting milestone. It was a pleasure working with you throughout the process, and we appreciate how quickly...
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Stephen was great to work with. We really liked working with him throughout the home buying process and he did explain a lot of things really clearly, which we needed as first time home-buyers.Stephen worked to get us a great approval for our...
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Reply from Owner
July 17th, 2026 02:08 PM
Congratulations on your closing! We love to assist first time buyers with the home buying experience. You did an excellent job as well in the process, thank you! Thank you for your feedback, it is appreciated. Enjoy your new home and thank...
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Stephen was great to work with. We really liked working with him throughout our first home buying process and he did explain a lot of things really clearly. Communication was great up until closing day. The only thing that would have made this...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:09 PM
Congratulations on your closing! Thank you for your feedback, it is appreciated. We love to help our clients with the home buying experience and so glad this worked out for you. You did an excellent job as well in the process, thank you! Enjoy...
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The inspection fee for our house was missing on the closing costs and that delayed our process a little bit as we had to get a money order at the last second to resolve issue. It would have been nice to add to our closing costs since we requested...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:11 PM
Congratulations on your closing and thank you so much for taking the time to share your feedback! We truly appreciate it. It was our pleasure to help you through the home-buying process, and we're so happy everything came together successfully....
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my complaint is not with Stephen, it is with the support team who would ask for things in a rush when they had several weeks to gather as well as support staff incompetence regarding payoffs. As a former lender, I am familiar with how those...
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Reply from Stephen Gowen - Team Acopia - Lower...
July 17th, 2026 02:04 PM
Congratulations on the closing of your new home! Thank you for trusting us with your home buying experience. Also, thank you for your feedback, it is very valuable. Again, thank you for your business and enjoy your new home.
When you work with professionals who are great at customer service, you can't help but brag a bit. I am so incredibly thankful for Stephen's assistance to get me to the finish line with complete ease and professionalism. I would highly recommend...
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Reply from Owner
May 27th, 2026 01:42 PM
Thank you! Congratulations on your new home. Our team is honored to assist you in your home buying experience. You did such a great job working with us to make this happen, thank you. Enjoy your new home!
Stephen was ready and available down to the wire. He was informative, pleasant and communicated above and beyond to keep me up to date on every process to ensure a smooth close. Thank you Stephen for your excellent service and making this experience...
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Reply from Stephen Gowen - Team Acopia - Lower...
May 26th, 2026 09:25 PM
My team and I were honored to help you with your home buying experience. Congratulations on your new home, very exciting! Thank you as well for being an awesome client, you were great to work with and make it easy for me and our team. Thank...
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Stephen quickly answered our questions any time we had any and he really looked out for our interests during the home buying process.
Reply from Stephen Gowen - Team Acopia - Lower...
May 1st, 2026 01:46 PM
Thank you! So happy and honored to be a part of your home buying experience. You made it very easy for me and my team, thank you. Congratulations on your closing and enjoy your new home!
Stephen was very responsive and helpful . This was our first time buying a home and he was excellent at answering all of our questions and directing us to others to help in the process
Reply from Stephen Gowen - Team Acopia - Lower...
April 26th, 2026 06:44 PM
Thank you for trusting me and my team to assist you. We love helping first time buyers and glad to be a part of your home buying experience. You both were so easy to work with, great job! Congratulations on your new home and again thank you...
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Stephen broke things down so i could understand them! He was also very patient with me.
Reply from Stephen Gowen
April 22nd, 2026 03:03 PM
Congratulations on your new home! Thank you very much! I am grateful to be part of your home buying experience. You were great to work with as well, thanks.
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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.