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

138 Reviews Found. Average score 4.88 out of 5 Stars
Now showing page 2 of 18.

Samuel S. in Wright City, MO

Great Experience on July 29, 2023
Attentiveness and willingness to explain and suggest things throughout the process. Knowledgeable and experienced in the area.
Loan Originator: Terence G. Cochran

Janet W. in Saint Louis, MO

Great Experience on May 17, 2023
Terry is a consummate professional and was extremely proactive, professional and sensitive to the complexity of my particular deal. He was a true team member and helped me and the agent make the deal happen.
Loan Originator: Terence G. Cochran

Janet W. in Saint Louis, MO

Great Experience on March 20, 2023
Terry was so helpful and communicative. Also, the app is very easy to use.
Loan Originator: Terence G. Cochran

Regina A. in Belleville, IL

Great Experience on March 3, 2023
Terrance kept me informed every step of the way and made my home buying experience very easy
Loan Originator: Terence G. Cochran

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

Not what you were looking for?

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