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Proudly serving clients across SD, CO, 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.
Terry was a great communicator, very knowledgable, and overall great to work with! Melissa Thornton, CO April 08 Rating: 4.8 out of 5.0 from Encompass
Terry was a great communicator, very knowledgable, and overall great to work with!
Kept everything on tract to get closed in time Kyle Newcastle, NE April 07 Rating: 4.2 out of 5.0 from Encompass
Kept everything on tract to get closed in time
This was a pretty easy and seamless process. Joshua Rapid City, SD March 03 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.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.