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 16 of 17.

Artanue C. in Belleville, IL

Great Experience on June 12, 2018
He made us feel like family. That is a wonderful thing to me and my family. Now we feel like he is part of our family to.
Loan Originator: Terence G. Cochran

Mary S. in Belleville, IL

Great Experience on May 15, 2018
Terry was very professional and understanding patient and kind
Loan Originator: Terence G. Cochran

Michael M. in East Alton, IL

Great Experience on March 30, 2018
Terry was awesome! He helped us every step of the way and helped me to understand everything during the loan process
Loan Originator: Terence G. Cochran

Lori P. in Ballwin, MO

Great Experience on March 27, 2018
I was brand new to this whole process. I had no clue what to expect or if I could even start an application for a home loan. Meeting Terry for the first time, i felt very comfortable. He walked me thru the long process one step at a time. He explained everything to me so I understood what I was looking at and what I needed to do. Long story short I am a NEW HOME OWNER thanks to Terry. I would recommend him to anyone.
Loan Originator: Terence G. Cochran

Timothy M. in Crane, MO

Loan Originator: Terence G. Cochran

Blake P. in Saint Louis, MO

Great Experience on March 7, 2018
Quick responses.
Loan Originator: Terence G. Cochran

Randall K.

Great Experience on February 6, 2018
Went over the top to make things perfect. Highly reccomend.
Loan Originator: Terence G. Cochran

Talin C.

Great Experience on January 23, 2018
Being a first-time homebuyer my wife and I had an amazing experience thanks to Terry. He went above and beyond to get things done for us as we were moving out-of-state and completely new to the process of purchasing a home. My wife and I were completely impressed with his work to meet our expedited deadline and his attention to our actual needs. He works with excellence and you can tell.
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.