Thank you for visiting our Web site. Our philosophy is to always listen to our customer's needs, and respond to those needs efficiently and effectively. We strive to build long-term relationships, so that as your lender, we will be with you each time changes in your life necessitate a home change. Many lenders can 'get you a loan.' Our goal is to 'get you the right loan.' We are proud to be loan officers with First Horizon Home Loans, one of the nation's leading lenders, and we look forward to fulfilling your home financing needs.
First Horizon® Relationship Manager J. D. Terry has built a successful career by providing homeowners and real estate professionals with his own unique brand of friendly, expert service. Based in the Southeast, J.D. closes new purchase loans and refinances locally and across the nation.
J.D.'s business philosophy is reflected in the relationship he builds with every new borrower, making each one feel like his sole customer. He specializes in assisting first-time buyers with flexible financing from First Horizon's range of over 450 home loan products. J.D. is also an expert with One-Time Close – combined new construction and permanent financing – plus FHA, VA and investment loans.
During each loan processing, J.D. keeps all homebuyers and real estate agents up-to-date with their loan's status, answering questions in everyday language and explaining the pros and cons of different home financing options.
A graduate of the University of North Carolina at Wilmington, J.D. is a chairperson of UNCW's Alumni Association and a member of the local Red Cross Financial Development Committee. He enjoys spending time with his wife Beth, a fellow UNCW graduate. Both look forward to welcoming their first child in August 2007.
Buying a home is a big step ... that's why we've put together some tools and guidelines to help you along the way. They will prompt you to consider the factors involved in selecting the right loan, and the types of information you will need to qualify.
Take a look at each type of home loan to decide which one is right for you:
|Step-by-Step Guide: basic steps in the home loan process|
|Pre-Application Homework: items you will need to gather to begin the application process|
|What You Need to Apply: checklist of purchasing and refinancing items needed to complete the loan process|