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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
(237)
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  • 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.
  • 5.0
    Encompass
    M
    Mia S
    Severn, MD
    Posted on August 8th, 2025 01:49 AM
    Terry and Missy were the icons of professionalism with swift responsiveness, and meticulous attention to detail while delivering a seamless experience. By taking the time to address every question, concern, and nuance, Terry and Missy provided...
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  • 5.0
    Encompass
    R
    Robin G M
    Severn, MD
    Posted on July 29th, 2025 07:37 PM
    Everyone on the team was kind, helpful, and quick to respond to communication!
  • 5.0
    Encompass
    A
    Amy B
    Berlin, MD
    Posted on July 29th, 2025 01:38 AM
    Terry was attentive, patient and kept us in the loop throughout the process. He was wonderful to work with and made the process very seamless.
  • 5.0
    Zillow
    N
    Neil M
    Severn, MD
    Posted on July 23rd, 2025 12:00 AM
    Terry and Missy are wonderful! They were helpful and incredibly responsive throughout what I expected to be a difficult and possibly frustrating experience. It wasn’t. It was smooth and actually stress-free! It was great to know that they made...
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  • 10 of 237
    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
    186
    /850
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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.