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Empowering dreams one home at a time. Team Acopia powered by Lower
Equal housing lender ID 4664 | GRMA 23190
All licensing: www.nmlsconsumeraccess.org

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Next up on our team is shake n' bake Stephen Gowen!

Not only is he a vital part of our Builder Direct team, he also manages his own branch here in metro Atlanta.

Feel free to drop a line or share a story in the comments.

About Stephen:

For 29 years, I've had the privilege of helping families achieve the dream of homeownership, and there's nothing more rewarding than handing over the keys to a new chapter.

When I'm not helping clients navigate the mortgage process, you'll usually find me spending time with my amazing wife, our two kids, our dog, enjoying the outdoors, or cheering on the Georgia Bulldogs—Go Dawgs! 🏡🐾🏈 by @acopiadreamteam

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9 hours ago

🏈 Happy Birthday to the Coach of Team Acopia — Allen KenKnight! 🎉🎂

A great team starts with great leadership, and we’re fortunate to have a coach who leads, mentors, supports, and keeps Team Acopia moving down the field. 🏡💪

Here’s to another year of big wins, happy homeowners, and plenty of closings!

Help us wish Allen a very Happy Birthday! 🎈🎉

#HappyBirthday #TeamAcopia #MortgageTeam #Leadership taken in Atlanta, Georgia by @acopiadreamteam

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15 days ago

5.0 star review received on Experience.com for Stephen Gowen by Todd S - Was responsive and answered all my questions pleasure to do business with by @acopiadreamteam

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17 days ago

Instagram — $10,000 Is Not Always $10,000
🚨 ATLANTA BUYERS: DON’T JUST ASK THE SELLER TO LOWER THE PRICE!
Redfin reported that 72.8% of Atlanta home sales in its August 2026 data included a seller concession.
So if a seller is willing to give you $10,000…
Where should it go?
🏠 Price reduction?
💰 Closing costs?
📉 Permanent rate buydown?
⬇️ Temporary rate buydown?
Here’s the important part:
The same $10,000 can create VERY different results.
A price reduction may only modestly change the monthly payment.
Using that money toward eligible closing costs could dramatically reduce the cash you need at closing.
Or a rate buydown could potentially reduce your monthly payment.
💡 Mortgage Tip: Before negotiating the concession, have your lender run the options side-by-side.
Don’t just negotiate the home price.
Negotiate the complete financing strategy.
📌 Realtors: Save this one before writing your buyer’s next offer.
Program limits and eligible seller-paid costs vary by loan type.
#MortgageTips #SellerConcessions #AtlantaHomes #AtlantaRealEstate #teamacopia taken in Buford, Georgia by @acopiadreamteam

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22 days ago

🔑 Got an investor client who doesn't show enough income on their tax returns?

A DSCR loan may be the solution.
Instead of qualifying the borrower based on personal income, we can evaluate the property's rental income compared to the proposed mortgage payment possibly before you go under contract. It doesn't get easier.

This means investors may qualify without providing any income documentation.

✅ Easier qualification process
✅ No income calculation headaches
✅ Great for self-employed investors
✅ Financing available for long-term and SHORT TERM RENTALS.

DSCR loans are helping investors purchase properties that make sense from a cash-flow perspective while avoiding the red tape of conventional financing.

Let's discuss how a DSCR loan can help your investor clients get to the closing table faster.

Marc Levine
678-469-1872
malevine@lower.com

#RealtorLife #InvestmentProperty #DSCR #RealEstateInvesting #InvestorFriendly #MortgageSolutions #ListingAgent #BuyersAgent #CashFlowInvesting #RentalIncome #BusinessPurposeLoans #LoanOfficerLife #lowerduluth #easyhomeloan.net #AIRBNB #Noincomeverification taken in Georgia, Alabama by @acopiadreamteam

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22 days ago

Happy Birthday Jeff! Like your golf game you keep your clients under par and in a winning position for Team Acopia. Hope you have a great day! #birthday #teamacopia #shakeandbake #golf @fourthmccrae taken in Jefferson, Georgia by @acopiadreamteam

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24 days ago

🚨 WHAT'S HURTING YOUR HOME-BUYING POWER?

It might not be your credit score.

It could be your DTI — Debt-to-Income Ratio.

Lenders look at your required monthly debts compared with your gross monthly income.

Debt that may count:

🚗 Car payment
💳 Credit card minimums
🎓 Student loans
💰 Personal loans
🏠 Other mortgages
🏡 Your new housing payment

But expenses such as:

📱 Cell phone
💡 Utilities
🛒 Groceries
🌐 Internet

typically aren't included in mortgage DTI.

Here's the important part:

🚫 Don't automatically start paying accounts off.

✅ Ask your lender which debt is actually limiting your buying power.

And once you're pre-approved…

Don't finance the new car or the furniture before closing without talking to your lender first!

A new monthly payment could change what you qualify for.

📌 Save this post before you start house hunting—and share it with someone planning to buy.

#MortgageTips #DTI #HomeBuyingTips #FirstTimeHomeBuyer #teamacopia taken in Suwanee, Georgia by @acopiadreamteam

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a month ago

Your first step toward homeownership shouldn’t have to ding your credit. 🛡️

While many lenders begin with a hard credit pull, our team can start with a soft credit pull—with no cost and no impact to your credit score.

That means you can explore your options, better understand where you stand and get real answers before deciding whether you’re ready to move forward.

Your credit deserves protection—and so does your path to homeownership. Ready to see what may be possible? Let’s talk. by @acopiadreamteam

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a month ago

🏡 Realtors: Conventional Appraisals Are Changing!
Beginning November 2, 2026, the new UAD 3.6 appraisal format will begin changing what you and your buyers may see during the appraisal process.
What should you expect? 👇
🔹 Appraisal inspections may take a little longer
🔹 Appraisers may ask more detailed questions about materials, renovations, upgrades, and ADUs
🔹 Appraisal reports will look different and include more property details and photos
For Realtors, the big takeaway is don’t be surprised by the extra questions or additional time at the property. The new format is designed to provide lenders with a more standardized and detailed picture of the home.
📅 Mark your calendar: November 2, 2026
As these changes roll out, Team ACOPIA at Lower Mortgage will help keep our Realtor partners informed so you know what to expect and can prepare your buyers and sellers.
Have questions about how the new appraisal process could affect one of your transactions? Reach out anytime — we’re here to help.
#RealtorTips #Appraisal #RealEstateAgents #MortgageTips #uad taken in Atlanta, Georgia by @acopiadreamteam

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a month ago

We had a great time at @greater_atlanta_hba Summer Golf Tournament!

Proud sponsors and 3rd place 🥉 team ⛳️

Looking forward to the next! taken in Brookfield Country Club by @acopiadreamteam

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2 months ago

🏡 A little help with the down payment can make a BIG difference!

Introducing ONE by Lower — a conventional loan program designed to help make homeownership more affordable with just 1% minimum borrower contribution and a Lower lender grant of up to $4,500! 💰🔑

✨ Highlights include:
• Minimum 620 credit score
• First-time and repeat buyers may qualify
• Income limits up to 80% of Area Median Income
• Maximum loan amount of $375,000
• Grant has no repayment and no second lien

Know someone who may benefit? Send me a message and let’s see if ONE by Lower could be the right fit!

📲 678-643-4577
📧 sgowen@lower.com

#ONEbyLower #TeamAcopia #LowerMortgage #Homebuyer #DownPaymentAssistance taken in Duluth, Georgia by @acopiadreamteam

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2 months ago

WHAT IF YOU COULD FINANCE THE REPAIRS WHEN YOU BUY YOUR NEXT HOME?

YOU CAN!!! 🙌🔨

Stop passing up homes because the kitchen needs updating, the bathrooms are outdated, or the house needs some work.

With a renovation loan, you may be able to finance the purchase of the home AND the renovation costs into ONE loan and ONE closing.

That means you could:
✅ Buy the home you really want
✅ Finance eligible repairs and upgrades
✅ Make the improvements right away
✅ Potentially build equity as you improve the property

From cosmetic updates to major renovations, there may be financing options designed to help turn an “almost perfect” house into YOUR dream home.

💡 The best house may not be the one that’s already perfect—it may be the one with the potential to become perfect.

Thinking about buying a home that needs some work? Let’s talk about how renovation financing could work for you!

📲 Marc Levine | Loan Advisor
NMLS #1330016
678-469-1872
malevine@lower.com

#RenovationLoan #HomeRenovation #DreamHome #HomeBuying #MortgageTips #FirstTimeHomeBuyer #HomeImprovement #FixerUpper #RealEstate #Mortgage #HomeLoan #BuildEquity #GeorgiaRealEstate #AtlantaRealEstate #HomeBuyers taken in Duluth, Georgia by @acopiadreamteam

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2 months ago