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Hi! I'm Terry...
Your Mortgage Consultant!

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Terry Lockery

Market Sales Leader

NMLS: 120128

203-223-8499
Address: 800 Westchester Ave., N505A, Rye Brook, NY 10573
Terry Lockery (NMLSR ID: 120128) is a Mortgage Consultant and Area Sales Manager 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.

More importantly, they want to know about you: What's your goal?

Buy a Home
Refinance a Home
Apply now

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

Sonia Henry

5.0

Greenwich, CT

Aug 26, 2023

Always a Quick response from Terry. Thanks

DC

Dana Cosby

5.0

Greenwich, CT

Aug 21, 2023

Everyone we communicated with had great insight, and was very helpful.

JC

Jose Cuartas

5.0

Greenwich, CT

Aug 18, 2023

Terry's communication was absolutely stellar throughout the process. My clients were extremely happy at the speed and effort put forth by Terry and his team. The underwriting was done in record time and my clients were able to close just as fast as if they were cash buyers!! Thanks Terry!!!!

BH

Brett Hoffman

4.7

Port Chester, NY

Jun 29, 2023

Thanks for all of your help

JM

Jasmin Martinez

4.7

Port Chester, NY

Jun 29, 2023

It all came together in the end and the team made it happen. We were on a tight schedule and Terry and his team got everything completed right on time.

MS

Michael Suben

5.0

Larchmont, NY

Jun 6, 2023

It is hard to explain in word our experience because it was so amazing ! From start to finish Terry was awesome in keeping the experience from being stressful step by step he worked so much magic for us! I highly recommend and will be back to refi in the future or buy new property!! Thank u my friend!

TM

Toni Marinucci

5.0

Larchmont, NY

Jun 5, 2023

Terry is easy to work with, helpful and informative!

SH

Steven Hejnas

5.0

Highland Mills, NY

May 24, 2023

From start to finish I felt like I was aware of what was going on, and in good hands. I appreciated the speed and efficiency that everything was handled, online portal made it a breeze to sign and even keep everything organized. Even the other members of the closing team remarked how easy and pleasant it was to work with everyone on your end. Thank you for your assistance through everything.

RB

Ryan Brown

5.0

Darien, CT

May 21, 2023

The team was very helpful and expeditious in our mortgage a process.

AS

Andrew Smith

5.0

Greenwich, CT

May 18, 2023

Attentive, professional, responsive, knowledgeable

AM

Anna Moore

5.0

Greenwich, CT

May 16, 2023

Was straightforward, easy process. All questions were answered fast.

AA

Anne Amendola

5.0

Trumbull, CT

Feb 18, 2023

Terry and team are great! Easy to use portal and takes care of everything soup to nuts!

AH

Alexandra Hagler

5.0

Darien, CT

Jan 27, 2023

Everything was so smooth and seamless with Terry and his team. They answered all of our questions and handled everything for us, making it so easy for first time homebuyers!

MH

Maxwell Hagler

5.0

Darien, CT

Jan 26, 2023

Shared expertise, timely responses, very smooth process overall.

KF

Karla Figueroa

4.7

Port Chester, NY

Jan 21, 2023

Terry and team made it an easy experience as a first time home buyer! They are very responsive and attentive.

AL

Adam Lawrence

5.0

Westport, CT

Oct 12, 2022

thanks for the help all they way to the finish line.

EA

Evangeline Asbury

5.0

Ridgefield, CT

Oct 7, 2022

Terry was always there for me, answering questions and advising me on the process. I will definitely work with him if I need help with a mortgage.

MR

Matthew Ryan

5.0

Darien, CT

Aug 23, 2022

Terry and the team were incredibly responsive and helpful.

LF

Leigh Finley

5.0

Fairfield, CT

Jul 12, 2022

Efficient team process

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

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SEARCH ENGINE IS POWERED BY

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.

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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

NMLS: 120128

Learn More