Terri Cagle - Team Acopia by Lower Mortgage

Terri Cagle is a licensed Loan Originator with Team Acopia, powered by Lower Mortgage. She has 30 years of experience in the finance and mortgage lending industry, and 14 years with Team Acopia.  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 Team Acopia,Lower Mortgage, Terri can service all 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
2015,2018, 2025 – 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