
JD worked so hard to make our dream come true

Producing Branch Manager - SVP of Mortgage Lending · NMLS# 455169
Today · 9 AM – 5 PM
Office hours
Based on 295 star reviews
Based on 311 reviews
Ratings include all 311 reviews. Reviews collected directly from clients are shown only with their permission.

JD worked so hard to make our dream come true

JD Terry is the best! This was my first home and he made the loan process so easy. He responds quickly and is extremely helpful. Guaranteed Rate made buying my first home possible and I am very grateful. Definitely would recommend!!
Response from Owner
Thank you so much for the kind words! It truly means a lot to me. Helping someone purchase their first home is always special, and I’m so grateful you trusted me to be part of such an exciting milestone! My goal is always to make the process as smooth and stress-free as possible, so hearing this really makes my day. Congratulations again on your first home! Wishing you many years of happiness and wonderful memories in it. And remember, I’m always just a phone call away if you ever need anything!

Working with JD and his team was awsome. They kept us informed and updated on the whole process. I would recommend this team to anyone looking to buy or refinance a home. Thank you
Response from Owner
Thank you so much for the kind words and for taking the time to leave us a review! It was truly a pleasure working with you. Keeping our clients informed and making the mortgage process as smooth and stress-free as possible is incredibly important to me and my team. We really appreciate your trust in us and especially your willingness to recommend us to others. That means more than you know! Congratulations again, and please know that we’re always here if you ever need anything in the future!

JD Terry and his team at Guaranteed Rate were fantastic! They were so easy to work with, always available to answer questions and the website/portal made the mortgage process incredibly painless. Amazing team!
Response from Owner
Thank you so much for the kind words! It was truly a pleasure helping you through the mortgage process. I’m especially glad to hear that you felt supported and that our team was always accessible when questions came up. We work hard to make the process as easy and stress-free as possible, so hearing this means a lot to all of us. Thank you again for trusting me and my team, and congratulations on your new home!

JD and team were amazing throughout the whole process!!
Response from Owner
Thank you so much for your kind words! It truly means a lot to my team and me. We're grateful you trusted us to help with your home financing, and we're so glad we could make the process a great experience for you. Congratulations again on your new home, and please know we're always here if you ever have questions or need anything in the future. Wishing you many years of happiness in your new home!

JD was excellent from start to finish providing us with a mortgage for our home purchase in NC. I'd definitely recommend him!

JD at Rate Mortgage was easy to work with and very responsive. Five stars for an easy process securing a mortgage to purchase our new home! Thank you!
Response from Owner
Thank you so much for the wonderful review! It was truly a pleasure helping you with the purchase of your new home. I'm so glad we were able to make the mortgage process smooth and stress-free for you—that's always our goal. Thank you again for trusting me with such an important milestone. I sincerely appreciate your kind words and wish you many years of happiness in your new home! Congratulations again! 🏡
Quality service
Everyone was very efficient and helpful through the entire process. It was way easier than expected.
They were very easy to work with.
Excellent service from beginning to end.

J.D. and his team have been extremely helpful as my wife and I navigated the home buying process. They quickly responded to any questions and explained the process in a way that is easy to understand. J.D. was referred by our home builder and I am glad we chose to use their company!
Response from Owner
Here's a warm and appreciative response you can post: Thank you so much for the kind words and for taking the time to share your experience! It was truly a pleasure helping you and your wife through the home-buying process. Purchasing a home is one of the biggest financial decisions you'll ever make, and our goal is always to make the process as smooth, transparent, and stress-free as possible. I'm grateful your builder connected us, and even more grateful that you trusted our team to help guide you along the way. Thank you for allowing us to be part of such an exciting milestone. We wish you many years of happiness and great memories in your new home! Congratulations again, and please know we're always here if you ever need anything in the future.

After speaking with multiple lenders who said our move wouldn’t be possible due to being self employed and wanting to move states, we spoke with JD who was able to make it happen. He had everything lined up for us so that when we put an offer on, minimal was needed to close. We got clear to close in less than three weeks and moved! The process was so smooth and we couldn’t have asked for better. Thank you J.D, Susan, & team!
Response from Owner
Thank you so much for your kind words and for taking the time to share your experience! Helping self-employed clients relocate to a new state can sometimes require a little extra creativity and planning, so I'm thrilled we were able to find a path forward when others told you it couldn't be done. You both were fantastic to work with and did an amazing job providing everything we needed, which helped us keep the process moving smoothly and get you to the closing table so quickly. On behalf of Susan, myself, and the entire team, thank you for trusting us with such an important milestone. There is nothing more rewarding than helping great people achieve their goals and start the next chapter of their lives. We wish you many years of happiness in your new home and are always here if you need anything in the future. Congratulations again, and thank you for allowing us to be part of your journey!

This was our second loan with JD and once again the experience was outstanding. Every step of the process was communicated clearly and explained in a way that was easy to understand and complete. He has always been responsive, professional, and made what can be a stressful process, feel smooth and manageable. We truly appreciate the guidance transparency and attention to detail from start to finish. We would absolutely recommend him to anyone looking for a knowledgeable and trustworthy mortgage broker.
Response from Owner
Thank you both so much for the incredibly kind words. Reading a message like this truly means more than you probably realize. The fact that you trusted me not just once, but again for your next home purchase, is something I never take for granted. There are a lot of choices when it comes to financing, and having past clients come back is one of the biggest compliments I can receive. I’m so glad we were able to make the process feel smooth and manageable for you again. Buying a home can absolutely feel overwhelming at times, so my goal is always to keep communication clear, be available when questions come up, and make sure you feel informed and comfortable every step of the way. Thank you again for allowing me to be part of another major milestone for your family. I genuinely appreciate your trust, your loyalty, and your recommendation more than I can say. Wishing you both many happy memories in your new home!

JD was absolutely awesome! This is twice that he got us in a house. He is very knowledgeable and took the time to teach and run numbers with us. We will definitely be using him again in the future.
Response from Owner
Thank you so much for the kind words! It truly means a lot to me that you trusted me not just once, but now for the second time during such an important milestone in your lives. One of the biggest compliments I can receive is hearing that you felt educated and comfortable throughout the process. I always want my clients to feel confident in the decisions they’re making, not pressured into them, so I’m really glad the time we spent reviewing numbers and discussing options was helpful. It has been an absolute pleasure helping your family again, and I’m incredibly grateful for your trust, loyalty, and support over the years. Congratulations again on your new home, and please know I’m always here if you ever need anything in the future!

JD Terry and Rate were awesome from start to finish. After wasting time with Chase and Rocket, they had me closed in no time!
Response from Owner
Thank you so much for the kind words! It truly means a lot to me that you trusted me and my team with your mortgage process. I know how frustrating it can be when things drag out or communication isn’t where it needs to be, so I’m really happy we were able to step in, simplify everything, and help get you to the closing table quickly and smoothly. Thank you again for the opportunity — and congratulations on your new home! If you ever need anything in the future, whether it’s refinancing questions or helping friends and family, I’m always here to help.

We had an outstanding experience working with JD Terry as our loan officer during our recent home purchase. From start to finish, JD and his team at Guaranteed Rate demonstrated exceptional professionalism, attention to detail, and a genuine commitment to ensuring everything went smoothly. Communication was excellent throughout the entire process—he was always available to answer questions, provide updates, and explain each step clearly, which made what can often be a stressful experience feel manageable and well-organized. JD’s thoroughness and precision gave us complete confidence that we made the right choice. Thanks to his hard work and dedication, our loan process was seamless and efficient and ultimately got us the home we wanted. We truly appreciate everything he did for us and would highly recommend JD Terry for your next home mortgage.
Response from Owner
Thank you so much for taking the time to share this — it truly means a lot. It was an absolute pleasure working with you both throughout this process. I know how big of a milestone this is, and I’m really grateful you trusted me and my team to help guide you through it. My goal is always to make things as clear, smooth, and stress-free as possible, so hearing that you felt confident and supported every step of the way means everything to me. I’m especially glad we were able to get you into the home you wanted and keep the process seamless from start to finish — that’s always the win. Please don’t hesitate to reach out if you ever need anything down the road, whether it’s questions about your mortgage, future planning, or helping friends and family. I’m always here as a resource. Congratulations again on your new home, and thank you for the opportunity to be a part of it!
Guaranteed Rate was extremely efficient and offered lower rates than other lenders.
Fast and very helpful.
JD Terry and his team were fantastic from start to finish and the Rate App was very easy to use.
Communication was top notch
I had a great experience overall with J.D. and his team! They were very responsive and answered all our questions in a simple yet effective manner.
Great communication. Process seemed very streamlined
No written review
They're super easy to work with, have great systems, and knowledgeable teams.
I would get a rate quote.
No written review

No written review

JD guided the mortgage from start to finish. This is a great loan service if you are ok with doing most online. You get easy to understand ..sign and go. At closing everything was perfect
Response from Owner
Thank you so much for taking the time to share this — it truly means a lot. I’m grateful I had the opportunity to guide you through the process from start to finish. My goal is always to make things as smooth and straightforward as possible, especially with the convenience of the online tools we use. I’m glad the “sign and go” experience felt easy and clear for you. And hearing that everything was perfect at closing is the best compliment I could receive. Thank you again for your trust. I’m always here if you ever need anything in the future.

Working with JD Terry and his team, was hands-down the best part of our home-buying journey. He made what is usually a stressful, high-stakes process feel incredibly manageable. JD is professional, proactive, and kept us updated every step of the way. We never felt like just another file on his desk. If you want a lender who actually cares about getting you into your home, JD and his team is your guy.
Response from Owner
Thank you so much for the kind words — this truly means a lot to me and my team. Helping make what can feel like a stressful process more manageable is exactly what we aim for, so hearing that reflected in your experience is incredibly rewarding. We genuinely care about every client and every home we help bring together, and it was a pleasure being part of your journey. Wishing you all the best in your new home, and please don’t hesitate to reach out if we can ever help again.

Was nervous but they were always ready to answer questions. Such a pleasure to do business with.
Response from Owner
Thank you so much — that really means a lot. Buying a home can feel stressful at times, and I’m glad we were able to be there for you every step of the way. It was truly a pleasure working with you, and I’m always here if you ever need anything in the future.
Very responsive and eager to help. Kept us informed during the process.
JD Terry and his team were very pleasant to work with.
JD Terry and his staff went above and beyond to help us with the whole loan process. They answered every question we asked and they are local folk.
Excellent service and communication
We felt very comfortable working with the folks at Rate, you have been very helpful and timely with responding to any questions we may have had.
Working with JD & his team on our home loan was truly an amazing experience. He went above and beyond for us from start to finish, and I can’t say enough great things about how dedicated, fast, and efficient he was throughout the entire process. JD was always on top of everything, he communicated clearly, explained each step in a way that made us feel confident and informed, and moved quickly to make sure we were able to close on our home without any delays. You can tell he genuinely cares about his clients and takes pride in his work. We always felt supported and prioritized. Buying a home can be stressful, but JD made the lending part feel easy. We are so grateful for all of his hard work and the effort he put into helping us get into our new home. I would 100% recommend him and Guaranteed Rate to anyone looking to purchase or refinance.

It was an absolute pleasure to do business with JD Terry, Elizabeth Stilwell, and Suzanne Gray of Guarantee Rate. They made my first loan process very much painless and now my refinancing of my home was so easy and a no brainer. I would definitely recommend JD and Rate to others needing advice on who to use for a wonderful experience. Thanks for the hard work and support!!!
Response from Owner
Thank you so much for the kind words — it truly means a lot. It was a pleasure working with you on both your first loan and your refinance, and I’m glad we could keep the process smooth and stress-free each time. Elizabeth, Suzanne, and I appreciate your trust and your recommendation more than you know. We’re always here if you need anything down the road!
every one did great took a little longer then expected but got the job done tank you all for the help and communication

Reliable, responsive, and truly considerate to our needs. I would highly recommend JD and his team. They provided easy to understand instructions, helpful advice and always willing to answer questions. Quality and competent customer service. We were beyond pleased with JD and his team through the lending process.
Response from Owner
Thank you so much for the kind words — I truly appreciate you taking the time to share your experience. It was a pleasure working with you, and I’m really glad to hear that the process felt clear, supportive, and smooth from your side. Helping clients feel confident and well-informed is always my goal, so this means a lot to me. Wishing you all the best, and thank you again for trusting me and my team.

Fast, friendly, and answered all of my questions to the fullest.

JD Terry and his staff were extremely professional, polite and helpful .I would highly recommend JD Terry and his team to anyone looking for a new home purchase or refinance

They were great at efficiency. Always up to date and quick to answer questions. Great experience.
Response from Owner
Thank you so much for taking the time to leave this review — I truly appreciate it. Keeping you informed and being quick to respond are priorities for our team, so it means a lot to hear that reflected in your experience. We’re grateful for the opportunity to work with you and are always here if you need anything in the future.

JD provided excellent guidance during my first home buying experience. I would recommend Guaranteed Rate to anyone looking for a helpful experience towards home ownership.
Response from Owner
Thank you so much for the kind review — I truly appreciate you taking the time to share your experience. Helping first-time buyers navigate the process with clarity and confidence is something I take a lot of pride in, and I’m glad I could be a helpful resource for you along the way. It was a pleasure working with you, and I’m grateful you trusted me and Guaranteed Rate with such an important milestone. Wishing you all the best in your new home, and please don’t hesitate to reach out if you ever need anything in the future.

JD provided excellent advice and guidance throughout my home loan shopping process. Extremely responsive, knowledgeable, and respectful - highly recommended!
Response from Owner
Thank you so much for the thoughtful review — I truly appreciate it. I’m grateful for the opportunity to be part of your home loan journey, and I’m glad the guidance, responsiveness, and communication stood out. Helping clients navigate the process with clarity and confidence is always my goal. Thank you again for the recommendation and your trust. I’m always here if you need anything down the road.

Working with JD on our home loan was truly an amazing experience. He went above and beyond for us from start to finish, and I can’t say enough great things about how dedicated, fast, and efficient he was throughout the entire process. JD was always on top of everything, he communicated clearly, explained each step in a way that made us feel confident and informed, and moved quickly to make sure we were able to close on our home. You can tell he genuinely cares about his clients and takes pride in his work. We always felt supported and prioritized. Buying a home can be stressful, but JD made the lending part feel easy. We are so grateful for all of his hard work and the effort he put into helping us get into our new home. I would 100% recommend him and Guaranteed Rate to anyone looking to purchase or refinance. Thank you so much, JD, you truly exceeded our expectations! The Hurley Family
Response from Owner
Hurley family — thank you so much for taking the time to share this. I’m truly grateful for your kind words. It means a lot to hear that you felt supported and informed throughout the process. Buying a home is a big moment, and my goal is always to make the lending side feel as simple and stress-free as possible. I’m glad we were able to do that for you. You were wonderful to work with from start to finish, and I’m thankful for the trust you placed in me and my team. If you ever need anything down the road — questions, refinances, or just guidance — I’m always here to help. Wishing you all the best in your new home.

JD and his team were fantastic to work with. From pre-approval all the way through to loan closure, they were responsive and helpful. The process was seamless. I highly recommend JD for your mortgage needs.
Response from Owner
Justin, Thank you so much for taking the time to share this — it truly means a lot. It was a pleasure helping you from start to finish, and I’m grateful you trusted me and my team with something as important as your home financing. We work hard to make the process smooth and easy, so hearing that it felt seamless on your end is the best feedback we can get. If you ever need anything down the road — questions, a refinance checkup, or help with your next place — I’m always here for you. And if friends or family ever need guidance, I’m happy to take great care of them as well. Thanks again for the kind words and for allowing us to be part of your journey.

What a fantastic experience. I couldn't ask for a better team. I would recommend them anytime. Thanks for all the help along the way.
Response from Owner
Thank you so much for taking the time to share this — it truly means a lot. We’re grateful you trusted us to guide you through the process, and it was an honor to be part of your home journey. If you ever need anything down the road, my team and I are always here for you. Thank you again for the kind words and for letting us be a small part of this chapter.

JD was the most supportive and helpful individual who made this somewhat daunting process feel painless and seamless. He took time out of his day to make sure any and all questions were addressed and he calmed any concerns throughout the process. I would recommend him to anyone.
Response from Owner
Bianca, thank you so much for these kind words. It truly means a lot. I’m grateful you trusted me to walk through the process with you, and I’m glad I could help make things feel a little easier along the way. If you ever need anything down the road — questions, updates, or just a sounding board — I’m always here for you. Thank you again for taking the time to share this.

I've financed three homes through JD Terry and each experience has been a pleasure! JD and his team makes sure to explain each part of the process and makes it easy to understand. I'm so thankful to have a lender I can trust and help us purchase a home!
Response from Owner
Thank you so much for the kind words and continued trust — it truly means a lot. Helping you through each home purchase over the years has been an honor, and I’m so grateful for the relationship we’ve built along the way. My team and I always want this process to feel clear and comfortable, and hearing that reflected in your experience means everything. Thanks again for allowing me to be part of your journey — and here’s to many more great milestones ahead!