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

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

Ryan M. in Saint Louis, MO

Great Experience on January 6, 2022
Terence follows the process all the way through and makes sure you understand everything going on with your transaction.
Loan Originator: Terence G. Cochran

Jacob O. in Keizer, OR

Great Experience on December 29, 2021
It was my first time refinancing and Terence walked me through the process and was patient with my questions and concerns. He was nice with reminders when there were things I was missing.
Loan Originator: Terence G. Cochran

Jason C. in Edwardsville, IL

Great Experience on December 17, 2021
Low pressure, unlike other companies I have worked with. Terry was straightforward, explained things, and we trusted him to help us in the best way possible. Have worked with other companies and felt very pressured and like we were just a commission they needed to force through as quick as possible.
Loan Originator: Terence G. Cochran

Katherine C. in Saint Louis, MO

Great Experience on December 11, 2021
This was my first time going through a refinance and Terry did a phenomenal job walking me through it. Terry was incredibly responsive and communicative, and I always trusted that he was giving me guidance based on what was in my best interest both in the short and long term. Simply stated, I had put off a refinance for nearly a year because I was dreading the process and high pressure sales tactics of some other companies, and Terry made this process completely frictionless and pain free.
Loan Originator: Terence G. Cochran

Tyler G. in Saint Louis, MO

Great Experience on December 11, 2021
Terry is what made it great! I've worked with him a couple of times now and he always comes through for me!
Loan Originator: Terence G. Cochran

Travis D. in Carlyle, IL

Great Experience on December 6, 2021
Great good to work with really good at explaining everything and very good at being professional
Loan Originator: Terence G. Cochran

Frank D. in Bethalto, IL

Great Experience on November 29, 2021
Terry was very knowledgeable and helpful. He guided me through the whole process and was available to answer all my questions whenever I had them! Terry was awesome!
Loan Originator: Terence G. Cochran

Mark A. in Trenton, IL

Great Experience on November 24, 2021
Mr Terry was there every bit of the way from beginning to end. He kept an open communication no matter the time of day. For a first time home buyer we are truly blessed and grateful to have him on our side, made the experience much more easier and we always had that peace of mind. I wouldn’t hesitate to recommend and send Mr Terry any of our family or friends his way!
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.