Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across SD, FL, MI, MT, ND, NE, WY
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
This was a pretty easy and seamless process. Joshua Rapid City, SD February 21 Rating: 5.0 out of 5.0 from Encompass
This was a pretty easy and seamless process.
Terry and Brandon made this whole process very easy to understand and there communication was very responsive! I highly recommend!! Cynthia Spearfish, SD December 08 Rating: 5.0 out of 5.0 from Encompass
Terry and Brandon made this whole process very easy to understand and there communication was very responsive! I highly recommend!!
Fantastic and painless experience for my first home buying process! Lincoln Jon Wasta, SD December 05 Rating: 5.0 out of 5.0 from Encompass
Fantastic and painless experience for my first home buying process!
Couldn't of asked for better service and communication through the whole process. John A Spearfish, SD December 02 Rating: 5.0 out of 5.0 from Encompass
Couldn't of asked for better service and communication through the whole process.
Terry is an excellent lender! As a Realtor I refer many clients to him because I know that he will do a great job and take very good care of them. I love working with Terry, we make a great team! Jill Summerset, SD October 31 Rating: 5.0 out of 5.0 from Encompass
Terry is an excellent lender! As a Realtor I refer many clients to him because I know that he will do a great job and take very good care of them. I love working with Terry, we make a great team!
Terry and Katie Prall were outstanding and made every step of the home buying process enjoyable. They answered all our questions and communicated with us whenever we had concerns, and got answers for us right away! Couldn't have asked for a better team!!! Clifford Rapid City, SD October 01 Rating: 5.0 out of 5.0 from Encompass
Terry and Katie Prall were outstanding and made every step of the home buying process enjoyable. They answered all our questions and communicated with us whenever we had concerns, and got answers for us right away! Couldn't have asked for a better team!!!
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there