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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Very easy to work with, quick responses to my questions, made first time home buying as a 21 year old very simple!
Reply from The O'Neill Team
April 14th, 2025 03:23 PM
Thanks Pasquale--you've got a great family and you'll be a great new homeowner! I'm sure I'll see you again @ our favorite Chicken Restaurant!
Terry and Peter were both kind, understanding, supportive, and helpful throughout the entire loan approval, and documentation process. As a first time home buyer , there were stages in the journey where I felt a little overwhelmed by the prosect...
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Reply from Terry & Peter O'Neill
March 16th, 2025 05:26 AM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your new home loan and for the great feedback.
The fact that they all kept in touch as much as possible and told me to give them a call if I ever had any questions or problems
Reply from Terry & Peter O'Neill
March 11th, 2025 07:41 PM
Thanks for the great feedback. I hope you enjoy your new home!
Extremely helpful and professional.
Reply from The O'Neill Team
February 26th, 2025 06:35 PM
Thanks Jeb, and it was great working with you both. We hope you enjoy your new Home!
Peter, Jody and team were very helpful and upfront about the proces. The requested documents were clearly communicated and if there were any questions, they were very responsive. On the day of the closing, Peter and Krystle Espinosa (realtor)...
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Reply from Terry & Peter O'Neill
March 1st, 2025 05:08 PM
Thank you for the positive review. I hope you enjoy your new home. If you need anything, please give me a call.
The process was made easy. The follow-up was very good.
Reply from The O'Neill Team
February 4th, 2025 08:50 PM
Thanks Keith, and we enjoyed working with you and Shannon. Hopefully your new Condo doesn't lead to murder!
Terry was very helpful and responsive.
Reply from Terry & Peter O'Neill
February 2nd, 2025 07:30 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
Working with Terry on our mortgage loan was an excellent experience! He found the best option for us, ensuring we could make a competitive offer on our new home. Terry made the loan conditions easy to understand, walking us through every detail...
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Reply from The O'Neill Team
January 14th, 2025 05:33 PM
Thanks Kathleen O.! We loved working with you & Ian, and we're so happy for your new life together, and we'll definitely see you around the 'hood!
you are doing a great job
Reply from Terry & Peter O'Neill
January 6th, 2025 06:42 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 and his team are great!!
Reply from Terry & Peter O'Neill
December 27th, 2024 09:06 PM
Thanks for the great feedback. I hope you enjoy your 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