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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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!
Everything went very smoothly with good communication
Reply from Terry & Peter O'Neill
May 26th, 2026 03:46 PM
Thanks Caorline, we hope you enjoy your great new home!
Wuick and easy
Reply from The O'Neill Team
May 19th, 2026 03:56 PM
Thanks Jeremy--really hope you enjoy your new Home!
The closing was delayed twice, no fault of the O'Reilly team but it was stressful.
Reply from Terry & Peter O'Neill
May 19th, 2026 03:59 PM
Thanks Markie, definitely sorry for the delays, but thanks for hanging in there with us! Enjoy your new Condo!
Always responsive to my questions
Reply from The O'Neill Team
May 15th, 2026 02:11 PM
Thanks Chris--good seeing you and Renae--house looks great! See ya soon!
Great communication and attention to details.
Reply from The O'Neill Team
May 13th, 2026 02:22 PM
Thanks Elisa--great working with the Trozzolos again--you have a great family even though your husband now thinks he's Mario Andretti!
This is the second time our family has worked with Terry and he is the consummate professional. He is very responsive and walked us through all of our options so we could make the best decisions. Then he made sure we could make a quick close...
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Reply from The O'Neill Team
May 11th, 2026 05:42 PM
Thanks for the kind words Angelo--we always love working with your family and thanks for your quick turnarounds on all our requests. Best of luck w/the new home!
Terry was able to secure 2 programs for us that were pivotal to us being able to afford our first home. He is a hard worker and knows the business. While it was an overall great first experience for me, I was disappointed with 2 things: 1)...
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Reply from Terry & Peter O'Neill
May 13th, 2026 03:42 PM
Thank you for the opportunity to assist you with your new home purchase. Please let me know if you have any questions.
Terry and Peter were both very responsive to all of my questions and explained everything very well!
Reply from Terry & Peter O'Neill
April 23rd, 2026 05:42 PM
Thank you for taking the time to provide feedback and for putting your trust in me! It was a pleasure to work with you.
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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