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 was wonderful to work with, she treated us as family and always addressed every question or concern. She was always available and very knowledgable and professional. She made our experience with First Federal very pleasant and we would...
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Reply from Terri Hammonds
February 5th, 2026 04:31 PM
I'm grateful for your thoughtful feedback, Dale. It’s rewarding to know that I could make you feel like family while providing you with a professional and pleasant experience at First Federal. Your recommendation means a lot to me, and I'm...
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Terri was outstanding to work with. She is very knowledgeable and friendly. I have already recommended her and First Federal to a friend. Thanks so much for the wonderful experience of buying my first home.
Reply from Terri Hammonds
January 23rd, 2026 04:35 PM
I truly appreciate your kind words, Jessica. It’s rewarding to know that my knowledge and approach made your first home-buying experience a positive one. I'm grateful for your recommendation to a friend, and I'm glad to have been part of this...
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beginning to end, the process went seamlessly any hiccups Terri took care of right away without having me stress over what needed to be done
Got it close and the time that she talk to me about closing went effortlessly as well
Reply from Terri Hammonds
January 5th, 2026 10:17 PM
It's great to hear that the process was seamless for you from start to finish. I'm pleased I could handle any issues promptly and minimize any stress. I'm glad your closing experience went smoothly as well. Thank you for sharing your experience,...
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Terri always went above and beyond to help in anywayshe could and we appreciated it so much
Reply from Terri Hammonds
December 8th, 2025 08:23 PM
I appreciate your kind words. I'm pleased to know that I could assist you and make a positive impact. Your appreciation means a lot to me, and I'm glad I could help. Thank you for sharing your experience!
She made the entire experience easy.
Kept me well informed at every step.
Very nice woman to interact with.
Reply from Terri Hammonds
October 1st, 2025 01:48 PM
I'm glad to know that I could make the process smooth for you and keep you informed throughout. It was a pleasure interacting with you. Thank you for your kind words and feedback.
Terri was great to work with! She kept us updated throughout the process and made sure we knew what to expect. I would definitely recommend her to anyone!
Reply from Terri Hammonds
June 28th, 2025 07:36 PM
I'm thrilled to hear that you had a positive experience with your purchase process. It was my pleasure to keep you informed and ensure everything went smoothly. Thank you for your recommendation!
She has great communication and is very helpful when you are confused on something!
Reply from Terri Hammonds
June 24th, 2025 10:19 PM
I'm thrilled to hear that you found my communication helpful and that I could assist you when you needed clarity. It was a pleasure to help with your purchase. Thank you for your kind words and positive feedback!
Terri was kind, patient, and helpful with everything as a first time home buyer .
Reply from Terri Hammonds
June 16th, 2025 12:51 PM
I'm delighted to hear that your experience as a first-time home buyer was positive. It was a pleasure assisting you, and I appreciate your kind words. If you need further assistance, please feel free to reach out.
Terri was helpful every step of the way and easy to contact. she has made the process of home buying 100 x easier for me ! I don't know what she makes but she needs a raise !
Reply from Terri Hammonds
June 14th, 2025 01:55 PM
I'm thrilled to hear that I could make your home buying process easier and that you found me accessible throughout. Your kind words are greatly appreciated. If you have any further questions or need assistance in the future, please feel free...
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Everything! She was very helpful and answered all of our questions along the way! She went above and beyond to help us understand the process!
Reply from Terri Hammonds
May 17th, 2025 03:11 PM
I'm thrilled to hear that you found the support and guidance helpful throughout your home purchase process. It was a pleasure assisting you, and I'm delighted that I could make the experience clear and straightforward for you. Thank you for...
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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.