Terri Hammonds
Loan Originator | NMLS# 1045215
Getting a home loan couldn’t be easier. If you would like to get pre-qualified to purchase a home, please give me a call. At First Federal Mortgage, our goal is to give you excellent service. If you are a first time home buyer, purchasing...... Show More
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Terri did an amazing job she was very quick at responding and did great job explaining
Reply from Terri Hammonds
May 18th, 2026 06:52 PM
Thank you for your kind words, Houston. I'm happy to hear that my responsiveness and explanations made a positive impact on your experience. Your feedback is truly appreciated.
Excellent communication throughout the entire process, and always promptly returning my phone calls. Terri is very proffesional and detail oriented, all while making you feel that you matter. I would highly recomend her!!
Reply from Terri Hammonds
May 18th, 2026 03:53 PM
Thank you for your kind words, Peter. I'm happy to know that you appreciated the communication and felt valued during the process. Your recommendation means a lot to me!
Terri kept in constant communication with us and worked diligently to get us to closing. Thank you!
Reply from Terri Hammonds
May 18th, 2026 03:55 PM
Thank you for your kind words, Darby. I'm happy that my communication and efforts helped get you to closing smoothly. If you ever need assistance in the future, feel free to reach out.
very good commuication Awnser all questions and concerns gave best advice wonderful person im business
Reply from Terri Hammonds
May 5th, 2026 05:19 PM
Thank you for your kind words, Brandon. I'm pleased that you felt well-informed and supported throughout the process. It's great to know that I could provide helpful advice and communication for your needs.
Terri went above and beyond to ensure we had a great experience.
Reply from Terri Hammonds
May 5th, 2026 08:26 PM
I'm grateful to hear that you had a great experience, Grayson. Going above and beyond for my clients is always my goal. Thank you for sharing your positive feedback!
The process of getting my home loan was overall smooth. Terri was easy to work with and keep me informed everystep of the way. I would recommend Terri to anyone looking for a home loan.
Reply from Terri Hammonds
May 4th, 2026 07:04 PM
I'm glad to hear that the home loan process was smooth for you, Miles. Keeping you informed every step of the way is important to me. Thank you for your recommendation and support!
Terri made everything so easy and worry free. Great job
Reply from Terri Hammonds
April 28th, 2026 04:09 PM
I'm happy to hear that the process was easy and worry-free for you, Dwight. Thank you for your kind words and support!
She explained every question we had, gave us options, and made herself available for last minute/future questions.
Reply from Terri Hammonds
April 22nd, 2026 01:23 PM
I'm grateful for your kind words, Joseph. It’s important to me to ensure you have all the information and options you need throughout the process. I'm always here to assist with any questions you might have, now or in the future.
Terri made the whole process clear, from start to finish I knew what to expect.
Reply from Terri Hammonds
April 20th, 2026 07:59 PM
I'm pleased to know that the process felt clear and predictable for you, Logan. It's important to me that you felt informed every step of the way. Thank you for sharing your experience!
Working with Terri Hammonds at First Federal was an outstanding experience from start to finish. As a first-time homebuyer, I had a lot of questions and uncertainty going into the process, but Terri and her team made everything feel incredibly...
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Reply from Terri Hammonds
February 24th, 2026 03:03 PM
I'm really glad to hear that your experience as a first-time homebuyer was positive, Georgia. It’s important to me that you felt informed and confident throughout the process. Your feedback on the communication and support you received is truly...
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About
Getting a home loan couldn’t be easier. If you would like to get pre-qualified to purchase a home, please give me a call. At First Federal Mortgage, our goal is to give you excellent service. If you are a first time home buyer, purchasing an investment property, a vacation getaway, or refinancing to reduce you monthly payments – I will walk you through the process. I am never too busy for referral business, and take pride in offering a professional experience. You are always my Top Priority.
Applications taken over the phone, by appointment face to face, or on-line.
Call today! 256-613-9990 business cell * preferred
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
VA 100% Financing Mortgage Loans, FHA, Alabama Housing Finance Authority Step Up Program- 100%, USDA 100% Mortgage Loans, Conventional 95%, Second Home, Investment, In-House Specialty Loans
Search Rank ScoreLearn More →
176
/850
Search Rank Score
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Memberships
- Mortgage Banking Association, Northeast Alabama Association of Realtors, Chamber of Commerce
Year Started
2009
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1045215
Achievements
- 2019, accomplished a personal first in production. 2020, 2021, exceeded production goals. 2022 lead the Gadsden Branch in MLO production.
Hobbies
- I love to travel, enjoy a cruise each year to a new destination. Enjoy spending time by the pool with my Grandchildren, and family. Cooking out, baking, reading, working out, and watching my Grandchildren participate in their extracurricular activities.