Terry is a 20+ yr veteran of the mortgage banking industry and has been lucky enough to work with hundreds of clients to assist them with their home financing. He works from a simple philosophy of treating every client with the same level ... Show More
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Terry and Peter were great to work with again!
Reply from The O'Neill Team
November 9th, 2026 03:22 PM
Thanks John, it was great working with you again as well. We know you and Augustine & Eloise will have a great life together in your new home!
Informative and efficient
Reply from The O'Neill Team
October 30th, 2026 02:37 PM
Thank you for the great review. We enjoyed working with you and we hope you truly enjoy your new home.
Easy process
Reply from Terry & Peter O'Neill
September 28th, 2026 08:43 PM
Thanks for the great feedback. I hope you enjoy your new home!
Although so many things kept popping up Peter did everything in his power to make our loan happen.
Reply from The O'Neill Team
September 21st, 2026 03:48 PM
Thanks Bobbi, we were so happy to assist you all to purchase your new home. Enjoy!!
Experience and professionalism , caring and great costumer service,
Reply from Terry & Peter O'Neill
September 8th, 2026 08:18 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
Communication!!!!
Reply from Terry & Peter O'Neill
September 7th, 2026 06:25 PM
Thanks for the great feedback. I hope you enjoy your new home!
thank you for you r help
Reply from Terry & Peter O'Neill
August 31st, 2026 02:37 PM
Thanks for the great feedback. I hope you enjoy your new home!
Terry is professional and kind
Reply from The O'Neill Team
August 18th, 2026 02:12 PM
Thanks Shawn, always great working with you and Alena & DK! Best of luck with the new property!
Worked hard for me to make sure we
Reply from The O'Neill Team
August 18th, 2026 02:10 PM
Thanks Christian, I'm glad it all worked out for you--enjoy your new home and thanks for all you do for your community!
Terry and the team made the homebuying process smooth and stress free (well, as stress free that homebuying can be). Their communication was excellent, and they were very helpful in educating us as first-time homebuyers
Reply from Terry & Peter O'Neill
August 10th, 2026 03:18 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
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About
Terry is a 20+ yr veteran of the mortgage banking industry and has been lucky enough to work with hundreds of clients to assist them with their home financing. He works from a simple philosophy of treating every client with the same level of professionalism regardless of their situation. Terry always try to exceed customer expectations while delivering our services with exceptional integrity!
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 454671
- NMLS # 1518489
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org