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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
Working with Terri was truly a blessing during our home buying process. She patiently answered every question and text, no matter how many we had, and always made us feel supported. During the emotional ups and downs, she provided reassurance,...
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Reply from Owner
July 22nd, 2026 04:57 PM
Thank you so much for the awesome review!! I appreciate it very much!!
Working with Terri was truly a blessing during our home buying process. She patiently answered every question and text, no matter how many we had, and always made us feel supported. During the emotional ups and downs, she provided reassurance,...
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Reply from Terri Cagle
June 9th, 2026 06:29 PM
Shawnika, I'm so pleased to hear that you felt supported and reassured throughout your home buying process. It's important to me that you gained confidence and clarity with each step. Thank you for your kind words, and if you ever have more...
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Terri and her team were knowledgeable throughout the entire process.
Reply from Terri Cagle - Team Acopia
July 22nd, 2026 04:56 PM
Thank you so much for the awesome review!! I appreciate it very much!!
She was easy to communicate with and very knowledgeabl.
Reply from Terri Cagle
June 8th, 2026 07:59 PM
Juanita, I'm grateful for your feedback. It's nice to know that you found me easy to communicate with and knowledgeable. If you have any more questions or need assistance in the future, please don't hesitate to reach out.
Terri Cagle was a blessing to work with and did an amazing job.
Reply from Owner
August 24th, 2026 02:33 PM
Debbie, I appreciate your kind words and am glad to hear that you had a positive experience working with me. If there's anything else I can assist you with, please feel free to reach out.
Terri always responded promptly to my many questions during the process. She made sure I got the best loan possible based on what I qualified for. Terri made a stressful process very manageable for me. I will always recommend her to friends...
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Reply from Terri Cagle
June 5th, 2026 05:23 PM
Debbie, I appreciate your kind words and am pleased that I could help make the process manageable for you. It's important to me that you felt supported and got the best loan possible. Thank you for your recommendation, and if you or your friends...
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Although the homebuying process was challenging at times as a first-time homebuyer, my overall experience was great and worth it. Ms Terri and her team as well as my realtor, Ms Trisha, made the process much smoother by guiding me every step...
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Reply from Owner
August 24th, 2026 02:34 PM
Destiny, I'm grateful for your kind words and pleased to hear that you had a great overall experience. It's wonderful to know that my team and I, along with Ms. Trisha, could provide the support and guidance you needed as a first-time homebuyer....
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As a first-time homebuyer, the process was hard but fair, and overall it was a great experience. My mortgage loan advisor and her team made the experience positive because they worked hard, stayed supportive, and guided me through every step...
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Reply from Terri Cagle
June 4th, 2026 07:33 PM
Destiny, I'm glad to hear that you had a great experience as a first-time homebuyer. It's important to me that you felt supported and guided throughout the process. Thank you for appreciating our team's patience and professionalism. If you...
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Everything was
Reply from Terri Cagle
June 4th, 2026 07:31 PM
Hi Chauna, I'm thankful for your feedback. If there's anything more you'd like to share about your experience, please feel free to let me know.
Just ok, could have been bettet
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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.