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Terry Kernan  - Vice President | NMLS 536287 in Frederick, MD

Terry Kernan

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Vice President | NMLS 536287

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Terry Kernan is the Branch Manager of our Frederick, MD office. A 1984 graduate of Frostburg State University, Terry has lived in the Washington, D.C. metropolitan area all of his life, rearing his own family in Derwood, Maryland. Terry h... Show More
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Overall Ratings
4.95
(241)
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  • 5.0
    Encompass
    A
    Andrew R
    Thurmont, MD
    Posted on June 18th, 2026 10:20 AM
    Terry was very knowledgeable in the process and different options availabl. He explained each option to me so I could make a well informed decisio. He was very responsive theoughout the entire proces.
  • 5.0
    Encompass
    C
    Carolyn M D
    Hagerstown, MD
    Posted on June 16th, 2026 10:19 PM
    Terry took the time to explain things to us and went out of his way to help us get our loan.
  • 5.0
    Encompass
    G
    Giovana T
    Gaithersburg, MD
    Posted on June 15th, 2026 04:10 PM
    terry was very helpful with the entire proces, made us feel confo and confident with every step
  • 5.0
    Encompass
    D
    Darren A
    Thurmont, MD
    Posted on June 6th, 2026 04:41 PM
    Terry and the team have always been amazing with communication and getting the loan process to be very smooth and a positive experience for all thanks
  • 5.0
    Encompass
    K
    Keith D
    Thurmont, MD
    Posted on May 2nd, 2026 07:39 PM
    Everything from start to finish. I'm just a mechanic that is a high school graduate and doesn't understand all the lingo. Terry explains everything nice and clear and talks to you like a friend and not like a lawyer.
  • 4.12
    Encompass
    P
    Patricia M
    Thurmont, MD
    Posted on May 2nd, 2026 02:55 PM
    pleasant as always
  • 5.0
    Encompass
    J
    Jessica M C
    Walkersville, MD
    Posted on November 24th, 2025 05:18 PM
    Everyone very pleasant. I felt Everyone was looking out for me and made me feel very comfortable during every step in my home buying experience. Thank
  • 5.0
    Encompass
    D
    Darren A
    Gettysburg, PA
    Posted on November 21st, 2025 09:02 PM
    Always great communication with my client and myself and was able to get them $17500 grant
  • 5.0
    Encompass
    D
    David H B
    Frederick, MD
    Posted on October 15th, 2025 03:42 PM
    Terry was very knowledgeable , no suprises , helpful , pleasant , always answered the phone or received a quick responce back .
  • 4.87
    Encompass
    J
    Jessica T
    Hagerstown, MD
    Posted on September 29th, 2025 08:37 PM
    The team was very good with information and answering all questions I had.
  • 10 of 241
    About
    Terry Kernan is the Branch Manager of our Frederick, MD office. A 1984 graduate of Frostburg State University, Terry has lived in the Washington, D.C. metropolitan area all of his life, rearing his own family in Derwood, Maryland. Terry has over twenty years experience in the mortgage lending industry and is unrivaled in finding just the right loan program for even the most difficult situations. Terry takes a progressive view of mortgage banking. His keen intuition and exceptional insight into the subtleties of the business are why Terry is a master at making the toughest loans seem ordinary, call him.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Down Payment Assistance
    Conventional Home Loan
    Home Renovation Loan
    Mortgage Refinance
    Construction Loan
    Fixed Rate Mortgages
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    Time Zone

    Pacific Standard Time (PST)
    Licenses
    • NMLS 536287
    Disclaimer
    Equal Housing Opportunity

    Company NMLS 421593. All loans subject to credit approval.