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 is a great communicator and he works hard to get the deal done.
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.
Great communication, always answered my calls, and always kept me in the loop on what was needed.
Reply from Terry & Peter O'Neill
July 7th, 2026 04:48 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.
They all worked fast and worked well with everyone
Reply from The O'Neill Team
July 2nd, 2026 02:48 PM
Thanks Ashlee, and we truly enjoyed working with you as well. Enjoy your great new home!
Seamless process
Reply from The O'Neill Team
June 29th, 2026 01:37 PM
Thanks Bianca and best of luck to you in Australia, it was great working with you all!
Terry and Peter are great problem solvers. Very helpful with best ways to get the information you need. They are watchful too help be sure you stay on track.
Reply from Terry & Peter O'Neill
June 29th, 2026 01:38 PM
Thanks Janet, it was great working with you as you found a very nice home near your mother!
I had an outstanding experience working with this mortgage company. From the very first conversation, Terry made everything simple, clear, and stress‑free. He walked me through every step, answered all my questions, and made sure I felt confident...
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Reply from Terry & Peter O'Neill
June 29th, 2026 01:39 PM
Thanks Ann, it was great meeting you and working with you. Best of luck w/your new home!
Terry and his team made this process as smooth and easy as possible. Everything was handled promptly and they walked us through each step. Would highly recommend!
Reply from Terry & Peter O'Neill
June 15th, 2026 04:18 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
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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

