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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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.
Terry is a great communicator and he works hard to get the deal done.
Reply from Terry & Peter O'Neill
August 3rd, 2026 06:31 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Communication with everyone was easy and the whole process went off without any surprises.
Reply from The O'Neill Team
July 16th, 2026 02:17 PM
Thanks Tim, and we're glad you and Amy and your family are finally able to get back into your home. Enjoy!
Very helpful and quick answering all my questions as a first time buyer on a quick closing timeline.
Reply from The O'Neill Team
July 10th, 2026 02:20 PM
Alex, it's always great working with such responsive clients like you. Our Team enjoyed the process, and I can't wait to see your new
Bachelor Pad in person. Hope you enjoy your great new home, and the West Plaza living!
Terry was easily accessible and prompt with any questions and tasks.
Reply from Terry & Peter O'Neill
July 13th, 2026 05:33 PM
I really appreciate the feedback and look forward to working with you again.
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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

