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Portrait of Terry Cochran
MAIN: 618-410-5211
OFFICE: 618-410-5211
NMLS: 861896
Company NMLS: 227262

Terry Cochran 

Senior Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
MAIN: 618-410-5211
OFFICE: 618-410-5211
NMLS: 861896
Company NMLS: 227262

Terry Cochran 

Senior Mortgage Loan Originator 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

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Click link to see applicable state licensing.

About

Terry has spent over 16 years helping individual clients achieve their financial goals. His mortgage planning strategies and loan product knowledge are drawn from these years of experience in the mortgage banking industry. With 4 years of underwriting experience before moving into sales management, it allows him to uniquely understand the borrower’s finances and what the borrower may qualify for. This simplifies the process tremendously allowing them to get your loan closed quickly. For many, the thought of getting a mortgage loan can be overwhelming, but Terry will educate you and walk you through the process explaining things along the way.

Enjoying a one-on-one approach, Terry makes himself available to his clients to assist with pre-approvals, answer their specific loan questions or simply discuss the current market conditions. He makes it a top priority to communicate with his clients on a daily basis from the first meeting right up to the closing. Rooted in his integrity and commitment to providing an unsurpassed level of service throughout the entire loan process Terry greatly appreciates the referrals that come from past clients.

Terry is proud to be a Mortgage Banker for USA Mortgage. One of the largest independently owned and operated mortgage banks in the Midwest. As a full-service lender, they offer a diversified portfolio of products including FHA, VA, Conventional, First-Time Buyer, MHDC, 203K Renovation loans, as well as many others. As a direct lender and a mortgage bank, they control every aspect of the process from start to finish. USA Mortgage provides me the opportunity to give my clients the very best available loan programs with ultra-competitive rates and outstanding customer service.

Reviews

126 Reviews Found. Average score 4.87 out of 5 Stars
Now showing page 1 of 16.

Lena D. in Belleville, IL

Great Experience on November 18, 2022
Terry is very personable, excellent response time and responses whenever I had questions, had very good patience and overall made a stressful and new situation for us much easier and painless than it would have been without him! Buying my first home I am new to all of this, but Terry helped ease my mind often and make this a much smooyhrt process!
Loan Originator: Terence G. Cochran

Brooke S. in Belleville, IL

Great Experience on November 1, 2022
Timely and detailed communication
Loan Originator: Terence G. Cochran

Andrew B. in Pinckneyville, IL

Great Experience on October 22, 2022
Communication, knowledge, understanding,
Loan Originator: Terence G. Cochran

Alexis R. in New Athens, IL

Great Experience on October 7, 2022
Terry was very assuring, helped me every single day. Answered all my questions when I didn’t understand. Overall he made my first time buying a home a great experience.
Loan Originator: Terence G. Cochran

Sarah S. in East Saint Louis, IL

Great Experience on September 24, 2022
Easy to get a hold of and very helpful with all are questions help walk us through all the paperwork
Loan Originator: Terence G. Cochran

Jake M. in East Saint Louis, IL

Great Experience on September 24, 2022
Very helpful and able to answer any questions.
Loan Originator: Terence G. Cochran

Stephanie W. in Belleville, IL

Great Experience on August 24, 2022
Mr. Cochran is very knowledgeable and takes you through step by step.
Loan Originator: Terence G. Cochran

Mikia M. in Belleville, IL

Great Experience on July 7, 2022
Terry was very patient and very knowledgeable about any questions that I asked him, he made my first time home purchase very exciting and I would like to thank him again for helping me.
Loan Originator: Terence G. Cochran

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.