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Hi! I'm Terry...
Your Market Sales Leader!

We make the home loan process as simple as possible by guiding you through every step.

Terry Lockery

Market Sales Leader

NMLSR: 120128

203-223-8499
Terry Lockery (NMLSR ID: 120128) is a Mortgage Consultant and Regional Sales Leader with over 20 years’ experience in the Mortgage Industry. His extensive experience has prepared him to handle any and all lending situations, rather it be guiding and educating a first time home buyer through their first purchase or traversing the complexities of a jumbo loan for luxury properties. Terry excels and takes pride in finding the right loan for all his clients. Refinances, Purchases, Government loans, Terry can do them all.

Terry believes in fostering long term relationships and that communication is key. It is this approach that has allowed him to be a leader in the industry year over year and empowered him to become the preferred lending partner for Houlihan Lawrence.   He is always available for questions throughout the loan process, as well as after closing.  His knowledge and experience are never limited a single transaction or ceases once the loan is closed. Terry will exceed your expectations every step of the way! 

When Terry finds spare time, he enjoys golfing, grilling and going to the beach for a nice BBQ and family time.
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Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

Home financing tailored to meet your needs

We have a full suite of mortgage programs to meet your needs and give you a competitive edge:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

SH

Sarah Hnath

5.0

Stratford, CT

Oct 20, 2024

Communicative, supportive, and overall made a large purchase as smooth as possible. Not to mention Terry and his team were a pleasure to work with! In the words of my lawyer who has been doing this for 40 years, this mortgage broker has been one of the most efficient and on top of things group I’ve ever dealt with.

FS

Francis Salem

5.0

Stamford, CT

Sep 26, 2024

Terry did what he said he was going to do and was pleasant and supportive the whole way through. He communicated regularly and worked to get us the best deal. Would highly recommend him and his team-they were all great.

AS

Ann Salem

5.0

Stamford, CT

Sep 24, 2024

We had a short window to get this loan completed and it was able to be completed on time

SJ

Susan Janart

5.0

Stamford, CT

Sep 18, 2024

Terry is professional, knowledgeable, and always available to answer any questions. He was able to close on my clients within a short period of time and was true to his word.

DG

Dipali Gujarathi

5.0

Greenwich, CT

Sep 5, 2024

Great service

GB

George Benitez

4.8

Darien, CT

Sep 3, 2024

This was our first time purchasing a home, and Terry's dedication made us confident every step of the way.

BG

Bradford Ganz

5.0

Weston, CT

Aug 26, 2024

Wonderful communication and able to answer all questions/concerns promptly

SS

Susil Subudhi

5.0

Greenwich, CT

Aug 24, 2024

Professionalism was at good level

NK

Nebojsa Kezunovic

5.0

Stamford, CT

Jul 17, 2024

Personalized approach that guided us through this process.

TC

Toni Chrystal

5.0

Scarsdale, NY

Jul 17, 2024

I recently enjoyed working with Terry Lockery, a mortgage broker, and I couldn't be more satisfied with the experience. Terry was incredibly responsive and easy to reach throughout the entire process. His expertise and knowledge were evident from start to finish, ensuring everything went smoothly. My client was equally impressed and very satisfied with the level of service Terry provided. I highly recommend Terry Lockery for anyone needing a top-notch mortgage broker. He's the best. Toni C.

GS

George Salame

5.0

Mount Vernon, NY

Jun 20, 2024

See you on the Next purchase. Best Regards

MP

Moinak Paul

5.0

Greenwich, CT

Jul 17, 2024

Terry guided us through the entire process step by step . Being first time home buyers we had lots of questions which he patiently answered. His entire team was great . I highly recommend their service.

AL

Aikaterini Limenopoulou

5.0

Mamaroneck, NY

Mar 21, 2024

Christine Ford was amazing. She explained everything clearly and was always to answer our questions and guide us through this process. She was patient, professional, and very pleasant to work with.

SI

Shereen Ibrahim

5.0

Riverside, CT

Feb 8, 2024

I highly recommend prosperity Home Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and outstanding customer service truly set them apart.

RR

Raga Rohaiem

5.0

Riverside, CT

Feb 7, 2024

Terry and his exceptional team exude a remarkable level of warmth and encouragement, truly placing their clients' needs at the forefront. Not only do they offer top-notch consulting, but they also extend their care through invaluable advice and guidance.

EC

Elsa Case

5.0

Riverside, CT

Jul 17, 2024

Terry and his team were incredible! Saved a closing that big bank couldn’t get done in time. Life saver!

ME

Mark Edwards

5.0

Greenwich, CT

Jan 17, 2024

When walking us through the mortgage options, Terry was incredibly insightful and forward thinking. He answered so many questions that we had clearly and in a way that a first timer could understand. All his help made the process of getting a mortgage as seamless as possible. I’d 100% work with Terry again.

HA

Hector Artiga

5.0

Selden, NY

Dec 18, 2023

Commitment

President and CEO - Justin Messer

Justin Messer

President and CEO

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

4.93 of 5.00

Our average client rating. YTD 12/2021 on experience.com

What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Take a look
inside our world

Looking at how we do business at Prosperity Home Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Terry Lockery

Terry Lockery

Market Sales Leader

NMLSR: 120128

Learn More