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 team are so easy to work with and extremely efficient. Great People!
Reply from Terry & Peter O'Neill
September 6th, 2025 02:05 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
Personal attention of a "friend" I've done business with several times
Reply from Terry & Peter O'Neill
September 3rd, 2025 02:42 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Terry was so wonderful to work with and guided us every step of the way - even recommending realtors who were amazing to work with as well! We're so happy that we were referred to him and we'll definitely be referring others in the future!
Reply from Terry & Peter O'Neill
August 20th, 2025 02:05 PM
Thank you for the kind words. I hope you enjoy making new memories in your new home.
Very responsive and answered my MANY questions.
Reply from Terry & Peter O'Neill
August 13th, 2025 02:33 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.
We had a great experience with them. They were so easy to work with and easy to communicate with. The documents were eay to sign and they were easy to get in touch with if had any additional question. Highly recomend them to anyone!! You will...
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Reply from Terry & Peter O'Neill
July 23rd, 2025 02:34 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.
Had a great time working with everyone. They were gave good information on what to do and answered any questions I had.
Reply from Terry & Peter O'Neill
July 18th, 2025 01:10 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
The team was great to work with. They are quick to respond and even reply to inquiries in their off time. I highly recommend their business
Reply from Terry & Peter O'Neill
July 17th, 2025 02:21 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.
The communication between Terry and Peter
Reply from Terry & Peter O'Neill
July 13th, 2025 06:39 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
Terry provided multiple means of communication, and followed up through text and calls when time-sensitive emails had been sent to me.
Reply from Terry & Peter O'Neill
July 12th, 2025 08:04 PM
I really appreciate the feedback and look forward to working with you again.
The attention to detail, as well as the very thorough communication made this experience amazing. Not having the stress and worry regarding the financing of the home was a tremendous relief!
Reply from The O'Neill Team
July 7th, 2025 02:13 PM
Thanks for your kind words Wes. We thoroughly enjoyed working with you and Vanessa, and enjoy your great new home!
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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