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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Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM(Open now)
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Reviews from Web
Stephen did an exceptionally outstanding job.
Reply from Stephen Gowen
April 7th, 2026 04:58 PM
Thank you for the kind works and for sharing. It was a pleasure working with you as well. My team and I truly appreciate your business. Enjoy your new home and congratulations! Thanks
Fantastic.
Reply from Stephen Gowen
April 5th, 2026 02:52 PM
Thanks Eric. My team and I enjoyed working with you. Congratulations on your new home! Thank you for your repeat business and thank you for your service!
Very thankful to Stephen in helping me close my home within 25 days and staying on top of everthing plus swift response
Reply from Stephen Gowen
April 4th, 2026 01:25 PM
Thank you for trusting our team and for the feedback. We are excited for you and your family. You made it easy for us, thank you. Enjoy your new home!!
Execellent accessibility and communication.
Reply from Stephen Gowen
March 30th, 2026 03:45 PM
Congratulations on your new home! Thank you very for your help during the process and for the feedback. Thank you for trusting our team to help with your financing needs.
Stephen was very professional and knowledgable. He was also very prompt with his follow-ups even if it meant returning my call late in the evening or on a weekend. Stephen made the entire process easy.
Reply from Stephen Gowen
March 24th, 2026 07:42 PM
Thank you very much for the kind words. My team and I are very happy to have had to opportunity to work with you, thank you. Enjoy your new home and thank you as well for your help during the process.
Very responsive and helpful
Reply from Stephen Gowen
March 24th, 2026 07:45 PM
Congratulations on your closing! I am so happy for you and your family. It was a pleasure working with you and meeting everyone at closing. You were great as well! Thank you for your business.
Jeff Ingram and his whole team were awesome 👏🏽 everyone from opening to closing provided A1 Customer Service!! I am recommending them to anyone I know who is the of buying or refinancing their home. If I could give more stars I would 😇🙌🏾👏🏽...
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Reply from Owner
September 24th, 2025 04:59 PM
Thank you very much for the feedback and for your business! We loved working with you as well. Jeff and our team work hard to provide a great experience and glad it worked out well. Again, thank you and all the best!
Brittany was amazing to work with. Her quickness and efficiency was unmatched. She made my home buying experience simple and easy.
Reply from Owner
September 18th, 2025 03:39 PM
Congratulations on your new home! Thank you for the feedback, Brittany and team loving helping clients reach their dreams. You were a pleasure to work with as well. Thank you for your business!!
Mr. Bill Decker from acopia home loans was very professional and exceptional during my home buying process. He answered all of my questions and helped me throughout the process. I will recommend acopia to anyone in the need of buying a home....
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Reply from Owner
September 12th, 2025 02:00 PM
Our team is very excited for you and your family. Congratulations on your new home! Bill and our team loving assisting our clients. Thank you for all that you did in the process as well, we all enjoy working with you as well. Thank you!
Acopia Home Loans made the financing part of buying a home incredibly easy. I mainly worked with Stephen Gowen, and he was fantastic—communicative, responsive, and always clear about my options. He made the entire process feel simple and stress-free....
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Reply from Owner
September 12th, 2025 01:58 PM
Congratulations on your new home! Thank you for trusting our team and you were wonderful to work with as well. We truly appreciate your business and are very happy for you and your family! Thank you.
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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.