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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I first reached out to Terri on easter Sunday, I didn't expect ro hear back the same day! She helped me get my pre-qualification right away which really helped us on getting an offer in on a house. Terri was great to work with during every...
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Reply from Terri Hammonds
May 3rd, 2024 11:56 AM
Thank you so much for your kind words, Caleb. I'm thrilled to hear that you were satisfied with my services at First Federal Bank. It was a pleasure helping you secure the pre-qualification so quickly and assisting you throughout your home...
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I have been searching for a house for right at 2 years. I worked with Terri throughout that time and she made it very easy for me to do so. She was very kind and patient with me throughout this whole process! She always kept me in the loop...
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Reply from Terri Hammonds
May 1st, 2024 06:35 PM
Thank you so much for your kind words, Melissa. I'm thrilled to hear that you felt well-informed and supported throughout your home buying journey. It was truly a pleasure working with you over these past two years and I'm so happy that I could...
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Terri was amazing! She guided us through the process with all of her knowledge and never gave up. We are so thankful for the diligence and dedication that she gave to us regarding our loan. I would highly recommend Terri Hammonds for all of...
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Reply from Terri Hammonds
February 29th, 2024 12:13 PM
Thank you so much, Brooklyn, for your valuable feedback and high rating. I'm absolutely thrilled to hear that you've had a positive experience with your loan process. It was a pleasure guiding you through it and ensuring you were well-informed...
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Terri, was every bit of what made it great. She was super helpful through the entire process, and she stayed involved. She helped me, get into a better situation to buy a house. I would refer Terri Hammonds over anyone, she is super personal...
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Reply from Terri Hammonds
January 1st, 2024 07:23 PM
Thank you so much, Logan, for the glowing review! It was a pleasure to walk you through the process and make it as smooth as possible. I'm so glad to hear that you felt supported and cared for. At First Federal Bank, we always strive to provide...
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Terri and her team made the entire process quick and painless!
Reply from Terri Hammonds
December 31st, 2023 10:07 PM
Thank you so much for your kind words, Rebecca. I'm thrilled to hear you found our process at First Federal Bank to be quick and painless. My team and I work hard to provide the best service possible, and your feedback reaffirms the hard work...
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The personal level of service and communication was above and beyond. I was treated like family and Terri made a stressful process feel as stressfree as possible. She is amazing!! Maggie that processes the information was also the best!! I...
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Reply from Terri Hammonds
September 11th, 2023 02:47 PM
Thank you for your kind words! I feel like we will be friends for life! So happy to have been a part of your 1st Home Buying Experience!
Communication was good, kept me informed of all steps/issues along the way. Very responsive to questions. Made it easy to work through the process. And I like being able to electronically sign documents!
Reply from Terri Hammonds
September 11th, 2023 02:47 PM
Thank you! You were awesome to work with!!!!
Terri was very communicative through the entire process, keeping me updated and answering every question I had. She also worked with me through text which was easier than being on the phone for me.
Reply from Terri Hammonds
June 14th, 2023 05:26 PM
You were great to work with Joanna!!!! Enjoy your new home!!!!!
Terri Hammonds was very through throughout the whole entire process of working with me to get me my first home! She was extremely supportive, passionate, kind, and caring. I could not have gotten a better one! I will definitely be recommending...
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Reply from Terri Hammonds
September 11th, 2023 02:48 PM
Thank you Monica!!! It was great working with you!
Terri was great to work with! I have to say this home purchase has been the easiest and smoothest of all!
Reply from Terri Hammonds
May 25th, 2023 05:26 PM
Thank you Jennifer!!! I appreciate you and David so very much!!!!
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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.