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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
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
The communication amd patience from my loan officer in guiding me through the process
Reply from Terri Cagle
March 27th, 2026 10:54 AM
Thank you so much Tamara!! It was a pleasure workng with you!!!
Terri and her team were quick to respond and extremely helpful navigating the intricacies of a VA loan and was able to make the loan process extremly easy and understandable
Reply from Terri Cagle
March 27th, 2026 10:54 AM
Thank you so much Bryan!!!!
Communication was the key
Reply from Terri Cagle
March 27th, 2026 10:54 AM
Thank you so much David!!
Very efficient kind and knowledgeable. She saved the day
Reply from Terri Cagle
March 9th, 2026 03:45 PM
I'm glad to hear you felt everything went smoothly and was well-handled, Kenyatta. Thank you for your kind words. If there's anything else I can assist you with, feel free to reach out.
Terri was outstanding throughout the entire process. She was extremely timely and responsive with every email and question, which helped me feel informed and confident at each step. Her communication was clear, professional, and reassuring...
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Reply from Terri Cagle
February 19th, 2026 06:06 PM
Ryan it was my PLEASURE!
As a first time home buyer, I would say that I am not pleased with this agency. I had a great credit score, then you the money I had saved to pay off a debt as I was told I would be receiving a refund which everything was a big confusion at...
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Reply from Owner
May 8th, 2026 12:00 AM
Hi Clara, I am so sorry you feel this way. I offered you a GA DREAM 100% financing with a VA loan, with $12,500 in down payment assistance. The GA DREAM rate at that time was 6.25%. When you finance a home for 30 years, your interest in the...
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Responsive, kind, caring, & informative! Terri kept me informed every step of the way. She answered late night phone calls and emails (even on the weekend). she got us pre-approved the same day. We closed right on time, and she helped when...
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Best lender I've ever had the pleasure of working with. she had me and my family as a top priority. would not chang anything i highly recommend using Terri Cagle.
Reply from Owner
October 16th, 2019 12:00 AM
Thank you James!!!!!!!!!!!!!!!!
From the moment I met Ms. Terri, I have been anxious to write this review!! I contacted Ms. Terri after financing fell through with a different lender 4 days before we were set to close. She was amazing!! I told her my situation and she jumped...
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Reply from Owner
September 23rd, 2019 12:00 AM
Ashley you were an absolute pleasure to work with!! I am so happy for you and Jalen!
I’m happy you didn’t give up on me and my family and I love you for that. Now we have a home that we can call our own🙌🏽 I really appreciate that and all the hard work you and your team did to get me my home. It wasn’t easy but you were there...
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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.