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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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9 AM to 5 PM
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closed
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closed
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Reviews from Web
When we noticed there was a problem with the potential down payment based on it being my second VA loan, Terri proposed a solution which allowed me to maintain my prior home as a rental while still ensuring I had the resources to cover what...
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Reply from Terri Cagle - Team Acopia
July 29th, 2026 11:49 AM
Thank you, Anthony!! It was a pleasure working with you. I love helping veterans! I am so thankful for your service!
If you are buying a home make sure to reach out to Terri Cagle. She is the best, she listens and always made me feel comfortable through the process.
Reply from Owner
July 29th, 2026 11:50 AM
Thank you so much Ann, it was a pleasure working with you!!!
Terri has been amazing from the start. Due to selling one house in AZ and buying two houses in GA there were a lot of bumps on the road, she helped me navigate each one. Troy was amazing as well. We had some additional docs needed at signing...
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Reply from Terri Cagle - Team Acopia
July 29th, 2026 11:50 AM
Thank you so much Ann, it was a pleasure working with you!!!
Ms. Terri was helpful and professional throughout my process. I would recommend her to first home buyers.
Reply from Owner
July 22nd, 2026 04:55 PM
Thank you so much for the awesome review!! I appreciate it very much!!
Ms. Terri was professional, courteous, and helpful throughout the entire process. She believed that we were going to get the deal done and we did. I would highly recommend her.
Reply from Terri Cagle - Team Acopia
July 22nd, 2026 04:55 PM
Thank you so much for the awesome review!! I appreciate it very much!!
Terri is the BEST. Communication was right on top. Never did i ask any question and she always had an answer. And Communicated to where I understood. For being first-time home buyers and didn't know the first thing about it she walked us through...
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Reply from Terri Cagle
July 22nd, 2026 04:55 PM
Thank you so much for the awesome review!! I appreciate it very much!!
Terri was kind, quick to respond, and communicated well.
Reply from Terri Cagle - Team Acopia
July 9th, 2026 05:49 PM
Kayeeshia, Thank you so much!! It was an absolute pleasure working with you!!!
If you are looking to buy a house, Terri Cagle should be you're 1st call. She will guide you through the home buying process with her knowledge with ease. I highly recommend Terri Cagle, don't settle for a local business that tries to make...
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Reply from Owner
July 9th, 2026 05:50 PM
Hey Jesse!!
Thank you so much!! It was an absolute pleasure working with you!!!
Terri made this home buying process very easy. She didn't treat me like a sale, she treated me like family and that matters to people. She was very accessable, knowledgeable, and seemed to really care about her profession. She was recommended...
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Reply from Terri Cagle
July 9th, 2026 05:50 PM
Thank you so much Jesse!
Mrs.terri was always there to let me know what was going on and kept me up with the things I needed to finish my loan application she was very friendly .I thank you soo much for helping me out inthe procecess of it all.
Reply from Terri Cagle - Team Acopia
July 9th, 2026 05:50 PM
Hey Jazzie!
Thank you so much!! It was an absolute pleasure working with you!!!
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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
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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.