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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Great communication, always answered my calls, and always kept me in the loop on what was needed.
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.
As first-time home buyers, we weren't sure what to expect, but Terry made the entire process feel easy, smooth, and stress-free from start to finish. He was always available to answer our questions, explain things clearly, and guide us through...
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Reply from The O'Neill Team
June 9th, 2026 02:28 PM
Thanks for the kind words, Taylor & Sutton. We love your new home, and it's great to have you back in KC!! See you soon!
Terry helped with the timeline, coordination, and making sure everything fit. He's always been one of the best if not the best in KC.
Reply from Terry & Peter O'Neill
June 9th, 2026 02:30 PM
Thanks Mike--you're always great to work with and good luck with your real estate and work plans!
The O'Neill team made everything as seamless as possible ad they were very timely.
Reply from Terry & Peter O'Neill
June 1st, 2026 04:29 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Personable interaction and professionalism throughout the process
Reply from The O'Neill Team
May 26th, 2026 03:45 PM
Thanks Mitchell and we'll reconnect on your Recast when you get your NE home sold. Good luck!
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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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Search Rank ScoreLearn More →
295
/850
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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