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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Was very responsive and very friendly to work with.
Reply from Terry & Peter O'Neill
November 25th, 2025 03:07 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.
Terry was great, as usual. This is our third time working with First State Bank, Terry & his team. He is so patient with us and makes it all easy!
Reply from Terry & Peter O'Neill
November 17th, 2025 04:44 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you.
The only thing I didn't like were all the automated messages. These arrived when I was unable to committ time to logging in, and completing the mortagage documentation. At one point these started to feel less irritating and closer to harassment....
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Reply from Terry & Peter O'Neill
October 29th, 2025 03:29 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Peter & Terry took great care of us. They understood our goal to refinance quickly after our move two years ago and gave us great advice and guidance on when to move forward.
Reply from Terry & Peter O'Neill
October 28th, 2025 02:08 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.
Тhe loan process was smooth without unnecessary delays .
Reply from Terry & Peter O'Neill
October 21st, 2025 06:48 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Very nice and helpful
Reply from Terry & Peter O'Neill
October 13th, 2025 04:57 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
it was great to work with Terry and Anita! They were patient as we were both first time home buyers and new to this whole process! everything was explained throughly !
Reply from The O'Neill Team
October 6th, 2025 09:06 PM
Thanks Jessica, and congrats on your new home purchase and your future wedding--big year!!
Terry and his team have provided exceptional, customized advice, guidance, and financing for us over the years. Our family considers Terry and his entire team a trusted advisor and expert in the industry. We're honored to know them and will...
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Reply from Terry & Peter O'Neill
October 6th, 2025 02:23 PM
Thank you for your kind words! I’m thrilled to hear that you had a positive experience with us. We appreciate your support and look forward to serving you again soon.
Terry has been great to work with. I appreciate his responsiveness and appreciate all his help along the way
Reply from The O'Neill Team
September 29th, 2025 02:09 PM
Thanks William, I'm very happy that the condo worked out for you, and we truly hope you enjoy your new home!
Terry was a great resource and really helped to guide me through the process as a first time homebuyer. Their website was also very easy to navigate and helped me stay up to date.
Reply from Terry & Peter O'Neill
September 21st, 2025 03:55 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