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 absolutely fantastic to deal with and instilled confidence with a very tedious process. Terry was extremely responsive at all times and worked together with my financial advisor to get things done with my best interest...
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Reply from The O'Neill Team
March 24th, 2026 04:33 PM
Thanks for the kind words, Alan. We hope you and Cindy enjoy your new home in KC!
Terry was very professional and friendly!
Reply from Terry & Peter O'Neill
February 25th, 2026 05:54 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!
Professional and prompt.
Reply from The O'Neill Team
January 27th, 2026 05:05 PM
Thank you, Bryan! Was nice working with you.
Many of these questions included Terry who never contacted us. Peter was very responsive and helpful.
Reply from The O'Neill Team
January 27th, 2026 05:06 PM
Thank you for the nice review, Rita! It was a pleasure working with you.
Efficient process, great service !
Reply from The O'Neill Team
January 22nd, 2026 03:18 PM
Thanks William, spread the word to all your folks, and we do loans in 50 states when you're ready to buy a swanky condo in NYC. Keep Crushing it in NYC--Lily says hi!
Terry & Peter made the process very easy. Clearly explained everything along the way, quickly answered all of our questions, and presented themselves in a very professional manner.
I would not hesitate to use them again.
Reply from Terry & Peter O'Neill
December 22nd, 2025 03:16 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Easy process, great communication
Reply from Terry & Peter O'Neill
December 22nd, 2025 07:56 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.
What a team; great commitment to us and the process, great communication and so easy to work with
Reply from Terry & Peter O'Neill
December 2nd, 2025 04:27 PM
I really appreciate the feedback and am looking forward to working with you again.
Terry and team were quick to communicate and provide direction
Reply from Terry & Peter O'Neill
December 1st, 2025 02:07 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Terry & his entire team are such great professionals to work with. From the introductory call to the closing... everything was timely, thorough and they beat the competition. The process was so easy. I would happily refer all my friends and...
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Reply from Terry & Peter O'Neill
November 26th, 2025 03:45 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.
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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