TERRY CARTER

LOAN OFFICER AND PROCESSER

Terry is a first coast native. He graduated from Maryville College with his BS in business. He has over 20 years of experience in the mortgage industry - sales, processing, and management. Terry lives in St. Augustine with his wife and two kids and is a volunteer soccer coach.

NMLS #59684

Phone

(904) 502- 3528

Email

Terry@firstdownmortgage.com

WHAT I DO FOR YOU.

  • Let’s talk about your goals, concerns, needs, and situation. I can answer your questions and put you on a clear path towards purchasing or refinancing.

  • Our secure online application can be completed quickly and easily on your schedule.

  • No one likes surprises in the mortgage process. We review as much upfront information as possible to avoid any delays or hassles during the loan process. This could include your paystubs, tax returns, bank statements, or other items.

  • When we issue you a pre-approval, we have already done as much due diligence as possible with the information provided. We want you to have as iron clad of a pre-approval as you can get.

  • Whether you have a property in mind or not, we can give you estimates of what your out of pocket expenses could look like, along with your monthly payment. Helping you to make more informed decisions.

  • We work to get you the best deal possible. We take interest rates, costs, lender turn times, and your specific situation to put you with a lender that best fits your needs.

  • I am your advocate. We do our best to put you in a loan that is financial beneficial and meets your needs. We advocate for you to accomplish your financing goals.

WHY CHOOSE FIRST DOWN MORTGAGE

Our Service is Personalized

Fast & Efficient Application process

All Information Kept Private and Secure

We Put Your Best Interest First

WE’RE LOCAL. WE’RE TRUSTED.

CHRISTY MARTELL

“First Down Mortgage was hands down the easiest to work with when purchasing our first home. Whitney made everything run so smooth and very easy to work with. Very organized and on top of all the little details. Highly recommend!!!”

ANDREW LONG

“Glad I had First Down Mortgage to work with while I bought my first home. Great people to work with, kept me informed of everything that was happening every step of the way. Is recommend them to anyone!”

FINANCING

WE OFFER FINANCING IN FLORIDA AND GEORGIA.