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 was nothing but great to work with. He made the entire process effortless. I know who I am calling in the future!
Reply from Owner
August 12th, 2025 12:10 PM
Congratulations on your new home and thank you for trusting us. Our team loves helping our clients get to the table, you did great as well. Teamwork makes the Dream Work!! Thank you.
Marc Levine and team are amazing. They are responsive, informative and patient. They made the process smooth and simple. Marc is also ensuring that my post-closing experience is going well.
Reply from Owner
July 6th, 2025 05:11 PM
Thank you very much for the feedback. Congratulations on your new home and thank you for trusting us! Marc and our team love helping get you to the closing table! Again, thank you for your business!
Marc and Lisa worked so hard for our clients from start to finish! Their dedication was clear every step of the way, from initial approval all the way through to closing. They were proactive, responsive, and truly committed to making sure our...
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Reply from Owner
June 18th, 2025 11:59 AM
Thank you for trusting our team! Marc and Lisa love helping our clients and agent get to the closing table. We appreciate your hard work as well. Thank you.
Brittany was amazing, extremely kind, very thorough, and held my hand the entire way through my home buying process any time I needed help! Highly recommend!
Reply from Owner
June 20th, 2025 05:01 PM
Thank you for the review and your business! Enjoy your new home. Brittany and our team love happy clients. Thanks!
Brittany is amazing to work with! Always has our clients best interest and keeps them imformed! Very professional and gets the approval process done quickly every time!
Reply from Owner
June 13th, 2025 12:06 PM
Thank you Connie! Brittany goes above and beyond along with our team to help her clients and referral parnters. Thank you for the referral!
Marc’s insight and advice throughout the process made the closing experience seamless. There were some technical challenges on my side and Loan Processor, Vicki went above and beyond to resolve in time to close. The expertise and commitment...
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Reply from Owner
June 4th, 2025 03:36 PM
Congratulations on your new home! Thank you for trusting Marc and our team, we love assisting our clients and getting to the closing table smoothly. We appreciate your repeat business and your feedback. Thank you.
Acopia Home Loans is an excellent company. I had a fantastic experience working with Stephen and Vicki. They were incredibly professional, efficient, and responsive throughout the entire process. I was particularly impressed by their meticulous...
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Reply from Owner
April 16th, 2025 01:41 PM
Thank you! Congratulations on your new home! My team and I are so happy for you and your family. We love to help our clients dreams come true. Thank you for your business and feedback.
Stephen Gowen - Team Acopia - Lower Mortgage has received a review with 5 star rating from Andrew G
Reply from Owner
April 16th, 2025 01:39 PM
Thank you for your 5-star review, Andrew! Congratulations on your new home and thank you for your business.
I am a first time home buyer and I had an absolutely amazing experience!! Everything was so easy to do, especially with the help of Mr. Marc Levine, he helped me through the whole applying process and more. Everyone that I had to encounter...
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Reply from Owner
March 31st, 2025 06:27 PM
Congratulations on your closing! Marc and our team enjoyed working with you as well. We are glad to help. Thank you for your business and for the review. Enjoy your new home!!
Stephen Gowen at Acopia is the best! His professionalism, availability and support paved the way for a seamless process! He was very informative and kept me abreast with every step of my loan approval process! I definitely recommend his services...
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Reply from Owner
January 14th, 2025 04:56 PM
My team and I are very thankful for trusting us, thank you! We are happy to help and love seeing our clients get their new home. Your were great to work with as well. Congratulations and again 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.