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

Terry Cochran 

Senior Mortgage Loan Originator 

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

139 Reviews Found. Average score 4.88 out of 5 Stars
Now showing page 1 of 18.

Kevin S. in Breese, IL

Great Experience on May 3, 2024
Easy to talk to. Very helpful.
Loan Originator: Terence G. Cochran

Rhonda H. in Swansea, IL

Great Experience on April 13, 2024
Terry was very good at communicating with me. Terry was always available & willing to explain the process to me! If I called him with any questions, he answered, if he was busy at the time of me calling, he would send a text & ask if it was okay if he call me right back? I love how genuine he is & how keeps his word! He even made it his business to show up to my closing and meet me, bearing love & gifts for everyone! Terry Is kind & I appreciate him. He gave me & my children an opportunity to buy our first home! If any of my Friends or family members have interest in wanting to purchase a house, I would surely recommend Terry & his Team! We did it Terry Thanks
Loan Originator: Terence G. Cochran

Laura E. in Mascoutah, IL

Great Experience on April 1, 2024
Terry was always there for us and answered every question we threw at him! He was so helpful to us being first time home buyers and SO patient with us as well!
Loan Originator: Terence G. Cochran

James T. in Mascoutah, IL

Great Experience on March 27, 2024
The patience and quick responses we received anytime we had a question at almost anytime of the day. Buying a home for the first time is perceived as scary, intimidating thing to do with how the economy is today. I can confidently say that we were put in the best hands to fight off these circumstances and that he has us in his best interest.
Loan Originator: Terence G. Cochran

Andrew K. in Benton, IL

Great Experience on March 18, 2024
Terry was very professional communicated excellent gave very clear instructions if I didn’t know he talked me through it and was very patient
Loan Originator: Terence G. Cochran

Madeline C. in Salem, IL

Great Experience on November 4, 2023
He answered all of our questions and was open about every process of our loan.
Loan Originator: Terence G. Cochran

Charles M. in Wilsonville, IL

Great Experience on October 11, 2023
Terry was very professional,,, And help me with every step I needed,, to me this man went beyond, of what he needed to,,, Thank you, Terry
Loan Originator: Terence G. Cochran

Larry G. in Decatur, IL

Great Experience on September 13, 2023
Terry was very detail and timily in his interactions with me throughout the process.
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.