TC
Scarsdale, NY
Jul 23, 2025
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.
MP
Greenwich, CT
Jul 23, 2025
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.
EC
Riverside, CT
Jul 23, 2025
Terry and his team were incredible! Saved a closing that big bank couldn’t get done in time. Life saver!
As a first-time homebuyer, I spoke with multiple lenders before deciding to work with Terry Lockery at PHM and it ended up being one of the best decisions I could have made throughout this stressful process.
We had an extremely aggressive timeline and needed to close in just two weeks. Not only did he and his team prioritize my file to get it done without delaying the closing date by even a single day, they did so while securing a rate that was substantially better than anything else I was offered (if not the best).
Throughout the entire process (and I did not make it easy!) Terry remained extremely responsive at all hours of the day, patient, kind and able to keep the process moving forward without creating any additional stress for me despite multiple hurdles. As a first-time buyer, I had plenty of questions and there were a lot of moving pieces, but he was always available, straightforward, and extremely patient when explaining what needed to happen and making sure I had the best outcome for my needs.
His team including Cynthia and Aline were equally impressive, organized, proactive, and consistently ahead of deadlines.
Buying a home can be overwhelming, especially on a compressed timeline, but Terry and his team executed flawlessly and they deserve recognition for it. They delivered exactly what they promised, secured an outstanding rate, and got us to the closing table on time. I would recommend Terry and PHM Loans to anyone without hesitation.
Thank you all, again!
As a first-time homebuyer, I spoke with multiple lenders before deciding to work with Terry Lockery at PHM and it ended up being one of the best decisions I could have made throughout this stressful process.
We had an extremely aggressive timeline and needed to close in just two weeks. Not only did he and his team prioritize my file to get it done without delaying the closing date by even a single day, they did so while securing a rate that was substantially better than anything else I was offered (if not the best).
Throughout the entire process (and I did not make it easy!) Terry remained extremely responsive at all hours of the day, patient, kind and able to keep the process moving forward without creating any additional stress for me despite multiple hurdles. As a first-time buyer, I had plenty of questions and there were a lot of moving pieces, but he was always available, straightforward, and extremely patient when explaining what needed to happen and making sure I had the best outcome for my needs.
His team including Cynthia and Aline were equally impressive, organized, proactive, and consistently ahead of deadlines.
Buying a home can be overwhelming, especially on a compressed timeline, but Terry and his team executed flawlessly and they deserve recognition for it. They delivered exactly what they promised, secured an outstanding rate, and got us to the closing table on time. I would recommend Terry and PHM Loans to anyone without hesitation.
Thank you all, again!
Responsiveness and transparency
Terry is highly knowldegeable, communicative and a true partner to me througout the process.
The team was communicative and helpful in ensuring that we had all required documentation
KH
Ridgefield, CT
Sep 7, 2025
Fast and easy
SR
Ridgefield, CT
Sep 3, 2025
Terry was fantastic to work with! Any questions we had were answered quickly, and he and his team supported us every step of the way. The process felt smooth and stress-free thanks to their guidance. We would highly recommend Terry to anyone looking for a reliable and knowledgeable mortgage broker
The communication and support from Cynthia was great throughout the entire process. She was patient and supportive. The Competitive Edge program gave me confidence in a stressful environment.
The closing process was very easy. Feedback from our attorney, there was a lot of paperwork at closing where some companies are doing a hybrid with electronic signatures.
EC
Larchmont, NY
Sep 1, 2025
Ultimately, Terry fought for me to get the best rate possible, which I had communicated upfront was very important to me. He was responsive when it came down to locking in a rate and I felt like he had my best interests in mind.
Communication was great and it took a long time and many bids on our end and Terry and his crew rolled right along with us!
We had an excellent experience with Terry Lockery and his colleague Cynthia. There was helpful and frequent communication from Prosperity And from Terry and Cynthia through the process.
This was the fastest mortgage loan we have ever conducted – from start to finish. It was under 90 days.
Thank you for a great experience!
(frequent communication through the process provided updates. o
portal was easy to upload – only comment is going back into the portal. It was tricky to see where the files were uploaded so you could see what you had already done that would be helpful.
No excessive delays, with good lines of communication.
JC
New Canaan, CT
Jul 23, 2025
Great communication and explanation of the service and offer put together. The team worked in an expedited fashion to meet our timelines. Thank you!
Terry was always available to answer my questions and helped me get the loan I needed to get my house purchase over the line and in time.
MF
Westport, CT
Jul 23, 2025
Terry and his team were bith really helpful in their advice and hard work to my transaction over the line and closed.
Collaborative, responsivce to questions and issues. Transparent. Plan on working with Terry on any and all future mortgages. Would strongly recommend Terry to any colleagfue or friend.
Terry was an incredible partner during our home buying process. He was patient with us as first time buyers and was willing to answer any and all of our questions. He was always available and responsive to our needs. We recommend Terry for any buyers interested in a partner that will customize solutions to their specific situation.
MS
Westport, CT
Jul 23, 2025
Terry was very thoughtful and showed patience in answering all the questions of a first time home buyer. He understood the specifics of our situation and helped solve for our unique needs.
RP
Stamford, CT
Jul 23, 2025
Communication and service was excellent, and thank you for getting it all done so expediently!
FL
Stamford, CT
Jul 23, 2025
Terry was great. He responded to every call and I'm very timely manner.
Great communication and worked hard to overcome obstacles
Despite issues from Coop management, problems were solved and loan closed on time
NB
Croton On Hudson, NY
Jul 23, 2025
Super easy transaction from beginning to close
CB
Newburgh, NY
Jul 23, 2025
The entire process was seamless and great.
Service and advise were exceptiona.l.
SH
Stratford, CT
Jul 23, 2025
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
Stamford, CT
Jul 23, 2025
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
Stamford, CT
Jul 23, 2025
We had a short window to get this loan completed and it was able to be completed on time
SJ
Stamford, CT
Jul 23, 2025
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
Greenwich, CT
Jul 23, 2025
Great service
This was our first time purchasing a home, and Terry's dedication made us confident every step of the way.
Wonderful communication and able to answer all questions/concerns promptly
SS
Greenwich, CT
Jul 23, 2025
Professionalism was at good level
NK
Stamford, CT
Jul 23, 2025
Personalized approach that guided us through this process.
GS
Mount Vernon, NY
Jul 23, 2025
See you on the Next purchase.
Best Regards
AL
Mamaroneck, NY
Jul 23, 2025
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
Riverside, CT
Jul 23, 2025
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
Riverside, CT
Jul 23, 2025
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.
ME
Greenwich, CT
Jul 23, 2025
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.
JD
East Fishkill, NY
Jul 23, 2025
Job well done
JW
Harrison, NY
Jul 23, 2025
Knowledgeable, direct, efficient and on top of things.
SH
Greenwich, CT
Jul 23, 2025
Always a Quick response from Terry. Thanks
DC
Greenwich, CT
Jul 23, 2025
Everyone we communicated with had great insight, and was very helpful.
JC
Greenwich, CT
Jul 23, 2025
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!!!!
