Home Loans & Real Estate · South Pasadena · NMLS #219863
Finance it. Find it. One team from offer to keys.
Terry Williams is a Senior Loan Advisor and Certified Mortgage Planning Specialist. Get pre-approved, buy or sell your home, build, or refinance, with your financing and your real estate coordinated under one roof.
Meet Terry
A mortgage planner who sees the whole move.
You work directly with Terry, from the first conversation to the closing table.
Terry is an experienced home mortgage consultant with a background in banking and a Bachelor of Science in Real Estate Finance from Cal State Northridge. He specializes in construction loans, FHA and VA financing, home equity, and investment property, and as a Certified Mortgage Planning Specialist he looks at how the loan fits your bigger financial picture, not just today’s rate.
Terry WilliamsSenior Loan Advisor · NMLS #219863
Two Ways In
Start with the loan, or start with the home.
Either way, it ends up in the same place: one coordinated plan.
Get financed the right way.
Pre-approval, first-time buyer, FHA, VA, conventional, construction, home equity, investment property and refinance options, compared on your real numbers.
See loan programs → Real EstateBuy or sell with the lender in the room.
Home search, offers and listings through our real estate team, with your financing already lined up behind every move.
Buying & selling →Who Terry Works With
Built around where you are right now.
First-time buyers
You want to know what it really takes to buy here, and a plan to get there.
Explore →02Move-up buyers & sellers
You need to sell one home and buy the next without getting stuck in between.
Explore →03Builders & renovators
You are building new, adding on, or taking a home down to the studs.
Explore →04Investors
You are buying a rental or adding to a portfolio and want the financing built to scale.
Explore →Plus the full range
FHA, VA, conventional and refinance options, handled just as carefully.
Loan + Real Estate, One Team
The loan and the home, handled together.
Most of what goes wrong in a purchase happens in the gap between the lender and the agent. With financing and real estate under one roof, the offer, the appraisal, the loan conditions and the closing date are managed together, by people who talk to each other every day.
The Process
Six steps, with Terry in every one.
From the first conversation to the keys, you always know what happens next.
Conversation & Strategy
Terry starts with your goals, timeline, income, assets and credit, and anything unusual about the scenario.
Pre-Approval
Your documents are reviewed and verified up front, so your pre-approval holds up when it matters.
Compare Programs
Loan programs and pricing are compared side by side, with the payment and the long-term cost shown for each.
Application & Rate Lock
Once you are under contract or ready to refinance, the application is completed and your rate is locked.
Underwriting & Appraisal
Terry works through conditions as they come up and keeps you and your real estate agent informed.
Clear to Close
Final figures are reviewed with you before signing, then the loan funds and you get the keys.
Where Clients Are Buying
Los Angeles and Orange County.
From the office in South Pasadena to the LA and Orange County line, and lending across California.
South Pasadena
Tree-lined streets, historic homes and a walkable small-town downtown, close to the office.
Pasadena & Altadena
Craftsman bungalows, mid-century homes and the foothills of the San Gabriel Mountains.
Glendale & Eagle Rock
Hillside neighborhoods and established streets with quick access to the rest of Los Angeles.
San Gabriel Valley
Alhambra, San Marino, Arcadia and the surrounding communities to the east.
La Palma, Cypress & Cerritos
Family neighborhoods on the Los Angeles and Orange County line.
Long Beach
Coastal neighborhoods, condos and character homes from Belmont Heights to Bixby Knolls.
Credentials
Licensed, verifiable, and accountable.
NMLS #219863
Individually licensed mortgage loan originator with Equity Smart Home Loans, Inc. (Company NMLS #856170).
Certified Mortgage Planning Specialist
CMPS designation, built around planning the loan as part of your overall finances.
B.S., Real Estate Finance
Bachelor of Science in Real Estate Finance from California State University, Northridge.
Real estate under one roof
Real estate services through Equity Smart Real Estate Services (CA DRE #01906808).
