The Process
Six steps. One person the whole way.
You are not handed off to a call center. You work directly with Terry, and you always know what happens next.
01Conversation & Strategy
Terry starts with your goals, timeline, income, assets and credit, and anything unusual about the scenario.
02Pre-Approval
Your documents are reviewed and verified up front, so your pre-approval holds up when it matters.
03Compare Programs
Loan programs and pricing are compared side by side, with the payment and the long-term cost shown for each.
04Application & Rate Lock
Once you are under contract or ready to refinance, the application is completed and your rate is locked.
05Underwriting & Appraisal
Terry works through conditions as they come up and keeps you and your real estate agent informed.
06Clear to Close
Final figures are reviewed with you before signing, then the loan funds and you get the keys.
What It Comes Down To
Four things you can count on.
Mortgage planning, not just a rate
As a Certified Mortgage Planning Specialist, Terry looks at how the loan fits your wider financial picture.
Loan and home, together
Financing and real estate under one roof means fewer handoffs and fewer surprises.
Specialty experience
Construction, FHA, VA, home equity and investment property loans.
Direct access
You work with Terry himself, from the first conversation to the closing table.
Come Prepared
What the file usually needs.
Every scenario is different. Terry confirms your exact list once, up front.
Income
W-2s and recent pay stubs, or for self-employed borrowers, tax returns and a year-to-date profit and loss statement.
Assets
Two to three months of statements for the accounts your down payment and reserves come from.
Identity
Government-issued ID, plus residency documents or a VA certificate of eligibility if they apply.
Property
The purchase contract, then the appraisal and title work. For rentals, the lease agreements.
