---
canonical_url: https://lendb.ai/lo/terri-cagle-207639
json_url: https://lendb.ai/lo/terri-cagle-207639.json
nmls_id: 207639
last_verified: 2026-10-10
---

# Terri Cagle

Loan Advisor at Lower, Alpharetta, GA. NMLS ID 207639 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/207639)).

**Summary:** Terri Cagle (NMLS 207639) is Loan Advisor at Lower, based in Alpharetta, GA. Lists Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance and First-time buyer. States 30 years of experience. Last verified 2026-10-10.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10)
- Licensed in: Georgia (GA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-10. Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle

## About

Terri has 30 years of experience in finance and mortgage lending and specializes in first-time homebuyers and down payment assistance programs.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.
- service_area: Georgia (all counties). Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.
- other: 12 years with Acopia Home Loans. Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.
- credential: Top Producer Silver Award (2015). Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.
- credential: Loan Officer of the Year (2015, 2022). Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.
- credential: Circle of Excellence Winner (2019-2025). Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Alpharetta, GA. Source: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/207639

## Contact

- linkedin_url: https://www.linkedin.com/in/terri-cagle-42442b8/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle
- Office phone and Email on file: shown at https://lendb.ai/lo/terri-cagle-207639#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/207639
- lender_site: https://www.lower.com/loan-officers/georgia/alpharetta/terri-cagle

Cite as: Terri Cagle (NMLS 207639), Lower. LenDb.ai, https://lendb.ai/lo/terri-cagle-207639, last verified 2026-10-10.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._