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 is the best! Always available to talk me thru options And explain everything!
Reply from Terri Hammonds
July 22nd, 2026 02:39 PM
Maria, I'm happy to know that you feel supported and well-informed throughout the process. Thank you for your kind words and trust in my assistance at First Federal Bank.
We had the BEST experience working with Terri and her team! Thank you to all!
Reply from Terri Hammonds
June 23rd, 2026 04:04 PM
Elizabeth, I'm grateful to hear that you had such a great experience with me and my team. Thank you for your kind words and for trusting us with your needs at First Federal Bank.
Terri Hammonds has been absolutely amazing throughout our process of purchasing, then refinancing our home. She is always willing and happy to answer any of our questions. And, made such a complicated process seamless. 10 out of 10 definitely...
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Reply from Terri Hammonds
June 17th, 2026 04:48 PM
Anthony, I'm pleased to know that I could assist you both with purchasing and refinancing your home. It's important to me that the process feels seamless and that all your questions are answered. Thank you for your recommendation and kind words!...
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I cannot say enough about Terri and her team for making the process as easy and painless as it was. Terri and Nicholas did an amazing job for us and we would definately recomend them to anyone.
Reply from Terri Hammonds
June 17th, 2026 03:36 PM
Thank you for your kind words, Jeromaine. I'm glad to hear that the process was easy and painless for you. It's wonderful to know that you would recommend us, and both Nicholas and I appreciate your support.
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!
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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
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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.