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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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
All the people were always kind and I was saturated in every part of the process making it easier for me
Reply from Terri Cagle - Team Acopia
September 10th, 2026 12:39 PM
Thank you so much Melissa! It was a pleasure working with you!!
The building was nice very clean and snacks were provided the atmosphere was pleasant and at the end of closing I was shocked bye the generosity of L lower lc which made the entire experience so much better.
Reply from Owner
September 10th, 2026 12:39 PM
Thank you Mr. Forbes! Enjoy your new home!
There were a few hiccups along the way but we were able get things done rather quickly.
Reply from Terri Cagle - Team Acopia
September 9th, 2026 10:43 AM
Raheem, I appreciate your understanding and patience with the process. I'm so glad that we were able to work out the hiccups and complete everything quickly. Congratulations on your new home!!
I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.
Reply from Owner
September 10th, 2026 12:39 PM
Thank you so much Trace!!
I had a great experience working with Terri! She was extremely communicative and helpful throughout what can often be a stressful process, especially for first-time homebuyers like my wife and me. I'd recommend working with her to anyone.
Terri was extremely responsive and helpful with any and all questions about the process. We didn't even know where to begin as first time homebuyers, and her communication and guidance through the process was essential in our successful mortgage...
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Reply from Terri Cagle - Team Acopia
September 1st, 2026 03:33 PM
Thank you so much Trace!! It was a pleasure working with you!!
I had an amazing experience working with Terri! She communicated quickly, responded to every message almost immediately, and was always so helpful and patient with all of my questions. She worked hard to make everything come together and made...
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Reply from Terri Cagle - Team Acopia
August 27th, 2026 11:57 AM
Zacarri, I'm grateful for your kind words and am pleased to know that I could make the home buying process smooth and stress-free for you. Your recommendation means a lot to me, and I'm always here if you have any further questions or need...
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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.
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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
- Momentum Church Jasper
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.