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 4 of 17.

Michael C. in Wentzville, MO

Great Experience on April 20, 2022
The communication and the speed with which Terry gets back with answers
Loan Originator: Terence G. Cochran

Nicholas S. in Collinsville, IL

Great Experience on April 11, 2022
Great professionalism, service, and knowledge.
Loan Originator: Terence G. Cochran

Jo B. in South Roxana, IL

Great Experience on April 2, 2022
Terry made the process super easy.
Loan Originator: Terence G. Cochran

Ashley H. in Belleville, IL

Great Experience on April 1, 2022
Everything about it, Terry was a great help with telling me what to do, how to do it, and what things meant.
Loan Originator: Terence G. Cochran

Timothy W. in Saint Louis, MO

Great Experience on February 17, 2022
Terence was wonderful and gracious to me during the entire process. Thank you from the bottom of my heart for all of your help to get the loan and for assisting us with all of the papers. I feel Terrance went above and beyond.
Loan Originator: Terence G. Cochran

Paul T. in Saint Louis, MO

Great Experience on January 21, 2022
Any time I had a question Terry had the answer or got the information quickly. Excellent service!
Loan Originator: Terence G. Cochran

Philip W. in Fayetteville, IL

Great Experience on January 14, 2022
All of questions were answered in a timely fashion, and the information was conveyed with a friendly manner, in easy to understand terms.
Loan Originator: Terence G. Cochran

Denis I. in O Fallon, IL

Great Experience on January 8, 2022
Level of communication and all the extra effort made by Terence to make the deal happen.
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.