Photo of Terry Cochran
Phone
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.
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

134 Reviews Found. Average score 4.88 out of 5 Stars
Now showing page 15 of 17.

Jymeka E. in Swansea, IL

Great Experience on September 11, 2018
Terry was very professional and personable. He went the extra mile for us to achieve our goal of home ownership. I’d recommend him to everyone I know. I look forward to working with him again.
Loan Originator: Terence G. Cochran

Charles C. in Dupo, IL

Great Experience on September 5, 2018
Terry awesome personality just a nice guy really enjoy working with him
Loan Originator: Terence G. Cochran

Amy M. in Dupo, IL

Great Experience on September 5, 2018
Terrance and his team were very patient and understanding. Terry was there whenever we had a question or concern , his customer service was impeccable!! We will never use anyone else and will always suggest Terry to friends , family and strangers alike!!!!
Loan Originator: Terence G. Cochran

Cherolyn J. in Lebanon, IL

Great Experience on August 26, 2018
Terry was prompt, informative, always pleasant, and always available.
Loan Originator: Terence G. Cochran

Dustin H. in O'fallon, IL

Great Experience on July 11, 2018
Great communication and assistance throughout the loan process. Can’t thank Terry enough for all of his hard work and dedication.
Loan Originator: Terence G. Cochran

Randall P. in Belleville, IL

Great Experience on July 10, 2018
Terry was extremely helpful with letting us know what and when we needed to get our mortgage for our new home. If we had questions (and we did)) he answered them and helped us along until we reached our goal.
Loan Originator: Terence G. Cochran

Sarah K. in Swansea, IL

Great Experience on July 8, 2018
Terry was very friendly and helpful through the entire process. He is very personable, which makes the whole experience less stressful. I would recommend him for anyone I know that is looking to purchase a home.
Loan Originator: Terence G. Cochran

Amanda L. in Swansea, IL

Great Experience on June 20, 2018
Terry was very timely, professional, and great to work with. I would recommend him to anyone.
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.