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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
If you are looking for a home loan and want someone on your side who WANTS to get you in a home as bad as you do, then ask for Terri Cagle at Acopia Home Loans! She will do everything in her power to make it happen! Of all the companies I applied...
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Me and my husband had begun the home buying process and we were dealing with a broker that couldn't seem to get things done for us, however, Terri came in and saved the day. Terri did everything she said she would, answered all of our questions/concerns...
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Terri was wonderful! She was quick to respond and answered any and all of our questions. I was having trouble with one of the online forms and I called her and she was so helpful walking me through the steps.
We expected a very lengthy and confusing process with the VA home loan (our second time using it), but Terri made miracles happen! She was able to make our home purchase easy, and fast. Thank you so much Terri for your awesomeness! I would...
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Terri Cagle was there for every step of our process. She actually worked with us for a year before buying our house. She helped myself and my husband throughout that year in rebuilding our credit. I would highly recommend her and Acopia to...
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She was "amazing" in every way! Always kept me updated with the current situation and what was needed for approval, document-wise! Extremely friendly and personable throughout the entire approval process. I always knew where I stood with every...
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Terri, was a pleasure to work with. Her communication was outstanding, she kept me in informed on every step of the loan process. I enjoyed working with Terri and will work with her for my next house.
My daughter received help from Terri to get a mortgage loan and she got me in touch with Terri. I don't know how we would have gotten through it all without Terri's patience and willingness to help and explain everything thoroughly to us. We...
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Excellent help in resolving issues that were not in her responsibilities.Closing cost and rate were very competitive. Quick response to any questions or concerns regarding the loan
Terri always responds to your questions, emails, texts, etc. in a timely manner and is always upbeat and cordial. She is a pleasure to work with and we would certainly use her again.
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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.