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Portrait of Terry Cochran
MAIN: 618-410-5211
OFFICE: 618-410-5211
NMLS: 861896
Company NMLS: 227262

Terry Cochran 

Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
MAIN: 618-410-5211
OFFICE: 618-410-5211
NMLS: 861896
Company NMLS: 227262

Terry Cochran 

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

86 Reviews Found. Now showing page 1 of 8.

Christi W. in Hillsboro, MO

Great Experience on September 21, 2021
Terry Cochran is an amazing person and does an amazing job. He makes the process easy
Loan Originator: Terence G. Cochran

Amanda H. in Collinsville, IL

Great Experience on September 20, 2021
He made the application process super easy and very fast. Being a first time buyer, he made it a breeze.
Loan Originator: Terence G. Cochran

Christopher H. in Saint Louis, MO

Great Experience on September 17, 2021
Terry was always available to answer any questions from the giant stack of paperwork that is buying a house. His advice on how to handle certain scenarios was a great help during the inspection process as well as the buying process.
Loan Originator: Terence G. Cochran

Haley R. in O Fallon, MO

Great Experience on September 15, 2021
Terry was awesome, he communicated well and found a solution to everything . He did a great job.
Loan Originator: Terence G. Cochran

Jillian H. in O Fallon, IL

Great Experience on September 9, 2021
We have worked with Terry on both our original loan and our refinancing. He kept us informed every step of the way. 100% recommend.
Loan Originator: Terence G. Cochran

Dustin H. in O Fallon, IL

Great Experience on September 9, 2021
Terry was great communicating with me and my wife throughout the entire process. He made us feel comfortable and ensured we were given accurate information.
Loan Originator: Terence G. Cochran

Amy H. in Belleville, IL

Great Experience on September 5, 2021
easy.
Loan Originator: Terence G. Cochran

Dirk S. in Florissant, MO

Great Experience on September 5, 2021
Terry has been great about educating me about what the finer points of the loan mean. Because he has taken the time to answer any questions or concerns I had I felt comfortable at closing.
Loan Originator: Terence G. Cochran

Jerry O. in Breese, IL

Great Experience on August 25, 2021
Any time I called Terance with question he not only answered my calls he was very professional and knowledgable and if he had to find out he was very quick to return my call with a swe
Loan Originator: Terence G. Cochran

Michael D. in Mascoutah, IL

Great Experience on August 24, 2021
The communication was fantastic. Terry was ON IT from every aspect! 10 out of 10 would very much recommend. Thanks USA Mortgage.
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.