Terri Cagle
Loan Advisor
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NMLS ID# 207639
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Terri
Terri Cagle is a licensed Loan Originator with Acopia Home Loans. She has 30 years of experience in the finance and mortgage lending industry, and 12 years with Acopia Home Loans. Terri specializes in working with first time homebuyers and down payment assistance programs and is well educated in all available mortgage products to ensure her customers receive the best loan program to meet their needs. Through Lower Mortgage, Terri can offer lending in all Counties of Georgia. Terri, born and raised in Georgia, makes her home in Jasper GA with her husband of 36 years and her son Matthew 22. She enjoys hiking and biking with her family. Awards & Honors 2015 – Top Producer Silver Award Winner 2015 & 2022- Loan Officer of year 2019, 2020, 2021, 2022, 2023, 2024, 2025 Circle of Excellence Winner Available Products Purchase/Refinance Conventional/FHA/VA/USDA Georgia Dream Down Payment Assistance 100% FHA Home Ready & Home Possible Jumbo Non-QM programs
I am licensed in: GA
Terri was the best team player I could ask for!
Karry L.
Verified Customer
July 31, 2026
You all made everything as easy and understandable as possible.
Eric M.
Verified Customer
July 30, 2026
Made the process super easy had super communication
Daniel T.
Verified Customer
July 28, 2026
ATTENTION!! If you are buying a house call TERRI CAGLE. My finance and I just closed on our first house thanks to team at lower specifically Terri and Troy! Let me tell you about Terri; she’s a beast! She is so sweet & her communication is top tier not only does she answer the phone in seconds, SHE HAS ANSWERS TO YOUR QUESTIONS. Any paperwork that is needed she ask for it asap, any paperwork that needs to be signed she request it back asap! She keeps the train moving!!! When I say she does not slack on anything the process went so fast and smooth I was so so shocked! I also want to give TROY his flowers as well because wow he was so pleasant to speak with, communication top tier, anything the underwriters needed he was very detailed oriented when requesting the Information. Huge shoutout to Lowers Team! EVEN BIGGER SHOUT OUT TO TERRI & Troy! Thank you all💕
Dolasha M.
Verified Customer
July 28, 2026
Terri never missed a beat! Paperwork that was needed she made sure to ask for it back Asap. every question we had she was knowledgable or followed up asap. Everyone needs terri on their team. From start to finish Terri made sure we We're comfortable. This is our first home and the cheery on top was she provided the best communication! We cannot thank her enough.
Dalosha M.
Verified Customer
July 28, 2026
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 the VA wouldn't on a second loan. She was candid and actually provided some advice that was in my best interest and not hers. Knowlegeable and a great person overall.
Anthony T.
Verified Customer
July 28, 2026
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.
Ann G.
Verified Customer
July 27, 2026
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 and ge helped me through the proces.
Cecilia G.
Verified Customer
July 27, 2026
Ms. Terri was helpful and professional throughout my process. I would recommend her to first home buyers.
Chris A.
Verified Customer
July 17, 2026
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.
Christopher A.
Verified Customer
July 17, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
