Top 5%
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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Terri was always so kind and willing to explain everything!
Reply from Terri Cagle
May 1st, 2026 01:52 PM
Thank you so much Egypt! I am so excited for you!!
Smooth experience as a first time homeowner!! Good communication
Reply from Terri Cagle
April 27th, 2026 07:11 PM
I'm happy to hear you had a smooth experience as a first-time homeowner, Shelbie. Good communication is important, and I'm glad it was helpful for you. If you have any more questions or need further assistance, feel free to reach out.
Everyone involved with the loan process communicated quickly and efficiently. Great experience overall!
Reply from Terri Cagle
April 20th, 2026 01:53 PM
I'm grateful for your positive feedback, Alyson. It's wonderful to know that the communication throughout the loan process was effective and that you had a great experience. If you ever need further assistance, please don't hesitate to reach...
read more
They provided excellent and prompt customer service. Terri and her team had a great attitude and are very knowledgeable about their jobs and different types of loans available. I appreciate how they are with you from the beginning to the end...
read more
Reply from Terri Cagle
April 12th, 2026 03:42 PM
Thank you so much!! It was a pleasure working with you!
Terri, kept me Informed as well as responding quickly and professional.
Reply from Terri Cagle
May 4th, 2026 08:24 PM
Thank you Charittie!
Terri I would like to thank you and the team for every email and every phone call. Thank you for making this a very smooth process.
Reply from Terri Cagle
April 7th, 2026 01:59 PM
It was a pleasure Toni!!!!
We’ve had the pleasure of working with Terri since 2014, when she helped us purchase our home, and we truly can’t recommend her highly enough. Over the years, she has continued to guide us through multiple purchases and refinances—both personal...
read more
Reply from Terri Cagle
April 7th, 2026 02:00 PM
Thank you so much Justin!! I love working with you and Erica!!
Terri was a 10/10 for me Very knowledgeable. Pleasantly Calming & helpful in all my 100 calls to her Will definitely recommend her a 1,000 times over.
Fast process
Reply from Terri Cagle
April 6th, 2026 06:15 PM
I'm pleased to know that the process met your expectations, Wilfredo. If you have any more feedback or need further assistance, feel free to let me know.
Teri was awesome. She remained calm with me through the entire process despite my frustration of being a first time buyer and sometimes with my less than pleasant attitude . Was clear and concise with information and very encouraging
Reply from Terri Cagle
March 27th, 2026 10:53 AM
Thank you so much Kevin, it was a pleasure working with you!!!! I am so excited for you!
81–90 of 118
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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.