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Terri Cagle - Team Acopia
Loan Advisor | NMLS# 207639
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
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9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
Terri was great! She made the loan process very seamless.
Reply from Owner
August 24th, 2026 02:30 PM
Thank you Tisha!
Terri was great from the first phone conversation. She was very detailed and attentive. The process was smooth due to her professionalism and knowledge of getting approved for a loan.
Reply from Terri Cagle - Team Acopia
August 22nd, 2026 07:40 PM
Thank you Tisha!! It was an absolute pleasure working with you!!!
Terri Cagle - Team Acopia has received a review with 5 star rating from Shauntell H
Reply from Owner
August 24th, 2026 02:30 PM
Shauntell, thank you for the excellent rating. I'm glad to have been able to support you during your experience with us.
You all were very easy to access for help and guidance throughout this entire process.
Reply from Terri Cagle - Team Acopia
August 22nd, 2026 07:40 PM
Thank you so much Shauntell!!
Terri Cagle - Team Acopia has received a review with 5 star rating from Dwayne B
Reply from Owner
August 24th, 2026 02:30 PM
Thank you, Dwayne, for the 5-star rating! I'm glad you had a positive experience.
Just the level of communication and making sure we were comfortable everything throughout the possible.
Reply from Terri Cagle - Team Acopia
August 24th, 2026 02:31 PM
Dwayne, I'm pleased to know that the communication level met your expectations and helped you feel comfortable throughout the process. If there's anything more you need, please feel free to reach out.
Terri is the best!! She said claimed and it happened!!
Reply from Owner
August 24th, 2026 02:31 PM
Linda, I'm glad to hear that everything went as expected. Thank you for your kind words and trust in my work. If you need anything else, feel free to reach out.
She said it and it happened. We closed on the deal! Thanks again Terri!!
Reply from Terri Cagle - Team Acopia
August 24th, 2026 02:32 PM
Linda, I'm glad to hear that everything went smoothly and we were able to close on the deal as promised. Thank you for your kind words!
Terri was very friendly, professional, and helpful. Everything was handled smoothly and efficiently, and I felt welcomed and valued throughout the experience. The excellent customer service and guidance throughout my process is what made my...
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Reply from Terri Cagle
August 24th, 2026 02:32 PM
Tanika, I'm grateful for your kind words and pleased to hear that you felt welcomed and valued during your experience. It's wonderful to know that my customer service and guidance made a positive impact. If you ever need anything else, please...
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Terri Cagle - Team Acopia has received a review with 5 star rating from Andrea “ B M
Reply from Owner
August 24th, 2026 02:33 PM
Andrea, thank you for your positive rating. If you have any feedback or need further assistance, feel free to reach out.
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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
Specialities
First Time Homebuyers - Down Payment Assistance
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Memberships
- NMLS
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1991
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 207639
Gallery
Awards
Top Producer Silve...
Achievements
- Circle of Excellence Winner
Hobbies
- Traveling
- Biking
- Hiking
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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.