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 what made the whole experience so great. She is a wonderful seeet person, who I now consider a friend.
Reply from Terri Hammonds
October 27th, 2026 02:11 PM
Jason, I'm grateful for your kind words and am truly pleased to have had a positive impact on your experience. Building such connections is what makes my work at First Federal Bank so rewarding.
Very quick execution and turn around time for closing
Reply from Terri Hammonds
October 22nd, 2026 01:50 PM
George, I'm pleased to hear that the quick execution and turnaround time met your expectations. At First Federal Bank, I strive to make the closing process as efficient as possible. Thank you for sharing your experience with me.
Terri, was easy to work with and quick to respond to my questions. She communicated clearly throughout the process. She was a joy to work with.
Reply from Terri Hammonds
October 14th, 2026 11:22 PM
Thank you so much! It was an absolute pleasure to be able to work with the both of you! Welcome Home!
Terri and her team worked hard to get us into our new home! Very knowledgeable
Reply from Terri Hammonds
September 21st, 2026 06:13 PM
Brittany, I'm glad to hear that my team and I at First Federal Bank could assist you in getting into your new home. Thank you for recognizing our hard work and expertise.
My wife and I were first time homebuyers and Mrs. Terri did a wonderul job teaching us and ensuring we understood everything about our mortgage.
Reply from Terri Hammonds
August 8th, 2026 11:44 PM
Thank you for the kind words Jonah and Peyton. I wish you wonderful memories and many blessings to you and your beautiful family.
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.
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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.