Say you wanna take your portfolio down to your local agency ... Do they wanna see nudes in your portfolio or is that not a big deal to have? Cause I do nudes and I'm not sure if I should put nudes in my portfolio.

no, you should not put nudes in your book...most agencies are rather conservative, in my experience.....
i'm not even sure that they like implied....
a swim suit shot is generally the most skin they want to see.

Would lingerie be okay?

Separate the two worlds.

I would not inform them that you even do them.   You are going to be a commercial model if an agency chooses to work with you.

Edit.

Tasteful lingerie would be fine but not sure if that will be your market for agency work.    Keep it Sears/Jcp penny like till you know better.

Refer to the TAG I just left you!! :-)

most mainstream agencies nowadays have a website where you can do your "homework" prior to going in; i.e., check out the type photos they are currently using to promote their talent ...

fml