About Terry……

Terry , through his educational background and over 20 years of top performing management experience brings broad-based business expertise, in-depth knowledge and exceptional decision making skills to his position as a Mortgage Loan Officer for PrimeLending.

As an accomplished manager with award winning experience, he provides the leadership, organization, analytical and evaluative prowess and motivation necessary to ensure that he helps his clients find the home mortgage solution that is best for them based on their personal and financial goals.

A Word From Terry…..

The purchase and financing of a home is often referred to as “the largest financial decision most people make”. It therefore makes sense that you choose  a mortgage firm that has its customer’s best interest as its primary goal. You have found that with PrimeLending, a Plains Capital Company.

The benefits of doing business with a direct lender such as PrimeLending is that it is owned by a bank. As such, PrimeLending has its own cutting edge loan programs and having in-house processing, underwriting and closing departments accelerates the loan process. In addition, due to its business associations, PrimeLending also has the ability to bank loans with most other major lenders if the conditions or customers desires require it. Working with PrimeLending therefore gives you the best of both worlds in that you are working with a banking firm that also has the ability to take advantage of the same programs that you would find at any ordinary mortgage brokerage firm. This strength allows PrimeLending to offer programs for all types of scenarios and credit profiles, even the most difficult ones.

Considering the magnitude of the decision, it is surprising how uninformed the average person is with regard to the financing or re-financing of a home. By in large however, it is simply due to fact that it’s something you do only a handful of times in your life at most. I have always believed that the best service I can offer my customers is to educate them to the process and then to offer them the most beneficial program available. I therefore offer you my guidance in educating you with regard to the home loan process as needed and my services with regard to a home mortgage or the refinancing of an existing home mortgage.

I look forward to working with you and to helping you find the mortgage option that is best for you.  No one will work harder to ensure your complete satisfaction.

Terry Keeton Testimonials... 

Let me thank you! The best part of the whole process was working with you. Your knowledge of the business and encouraging information helped me to remain sane through it all. It was quit a bit nerve racking. I felt that you were very good at explaining things so that I could understand and very helpful to me in my decision making.

I want you to know that I was just a couple of days ago talking to a young lady about you and how you had been so helpful to me in my home finance process. She is planning to sell her current home and buy another one. I told her that you would be a great source of help and that you could answer all her questions and that if I did it again I would definitely call you…. I think she could get good advice from you about what she can do now and later to have a smoother buy experience. I told her that I thought that you are the person she could use and that you could give her more info about how PrimeLending could help her. Thanks again Terry. May God forever bless you.  - Margie J. – Plano, TX – Conventional Purchase 

I recently refinanced my house with PrimeLending. Working with Terry Keeton and PrimeLending was one of the best experiences I've ever had and was one of the easiest things I've ever done. Terry took the time to fully outline all my options and all the details of the transaction. I could not have asked for anything better! My friend recommended PrimeLending to me and PrimeLending and Terry Keeton will be who I recommend to all my friends and co-workers too! They have made a loyal customer as if I ever find myself needing a home loan again in the future; Terry is who I'll be calling. Thanks Terry! - Tammy S. – Anna, TX – Conventional Refinance

Terry offered exceptional service from start to finish! He was very helpful and right "on target" with keeping us informed during the entire process!  Thank you for a professional service with friendly help. - Katrina & Al M. – Red Oak, TX – Conventional - Investment Property Refinance

Thanks for getting this accomplished for me. It was nice working with you. I will keep your name and number available in case someone at the office is interested in refinancing or buying a new house.   Marlene S. – Plano, TX – Conventional Refinance 

We had an adjustable rate mortgage with an already double digit rate which could go much higher in the coming months. Without Terry's help our only options would have been to sell or go into foreclosure with our mortgage payments becoming unaffordable. Thanks to Terry we were able to refinance our home with an interest rate at half of what it used to be. We will save well over $100k because of Terry.  Needless to say we are very grateful and will definitely refer anyone looking to purchase or refinance a home with an honest and professional person. -  Jose & Oralia G.  – Mount Pleasant, TX – Conventional to FHA Refinance 

Terry was absolutely awesome.  He kept me informed of my entire loan process.  I was very nervous, being such a large purchase, and Terry kept me calm, kept me informed and just in general was so helpful throughout everything.  He came to the closing to help explain some of the stuff to us and that meant a lot to us as well.  I would highly recommend Terry Keeton to anybody I know needing a loan.  PrimeLending and Terry were absolutely great and our mortgage process was painless.  Thanks!  - Alan & Debbie W.  – Nevada, TX – FHA Purchase

Terry Keeton and PrimeLending were awesome to work with.  My situation was complicated and difficult.  Terry never lost focus on the situation and worked diligently to identify a mortgage that fit my situation.  He literally changed my life and I am forever indebted.  Thanks so much, Terry and PrimeLending. - Priscilla R. – Council Grove KS – FHA Refinance 

I would like to let you know that I was more than pleased with the help and professionalism shown by you in the processing of our loan, especially as we were in Las Vegas through the whole procedure.  Thanks Terry and keep up the good work, I will tell everyone who I know who is or will be looking for a home to contact you. - Terry J. – The Colony, TX – FHA Purchase

Thanks Terry. Your performance was excellent. - Siamak S. – Sugarland, TX – FHA Purchase

I would like to thank you for your dedication to my home loan. Without you, I would have never been able to become a homeowner. You were always available, Honest, and straightforward. You were very professional, and dedicated to making my family’s dream come true. Both my realtor and escrow company voiced such high opinions on your professionalism, and courteous manner. You were there for us from start to finish, and in this day and age, that is remarkable. You have changed our lives, made our dreams come true, and I am indebted and appreciative of all your efforts. 

Ultimately, the best part of my home purchase experience was working with you and you have any of my future business with home loans or refinancing. - Dale & Blanca H. – Lakeside, CA – FHA Purchase

My name is Dale H. and I am writing you in regards to Terry Keeton. Terry was my loan officer for my home loan. I walked into this situation with no hope of being able to get approved for a loan. All my friends were warning me about loan officers as being dishonest and untruthful. I saw Terry’s website, and started to apply, then just thought “forget it, this is a waste of time “. I closed the browser. I then thought over it for awhile and called Terry on the phone. After a short discussion, I applied online and Terry went to work.  I was very surprised when Terry called me back with an approval amount. My approval amount changed a couple of times because I didn’t give Terry all the income information, and others I had forgotten about.  (Seems like I was the dishonest one not Terry)

Terry is a magician when it comes to finding ways to achieve an approval. He was always available, even on Sunday. What loan officer is going to work on a Sunday for a client? Or even for a Client that has such a challenging loan? I was completely impressed and amazed with Terry’s commitment to his clients. He was always pleasant and always honest (even if it was bad news). Terry was there for me from start to after close of escrow. I actually miss talking to him every day. If it wasn’t for Terry Keeton, being a home owner would never have been possible for me or my wife. I cannot express how much I appreciated his efforts.  I have not gained a personal contact; I have gained a family friend. I received rave reviews about Terry Keeton from my realtor, and my escrow officer. That is unheard of. They stated the same comments that I experienced also. 

I really hope that you realize the asset in your company that you have in Terry Keeton. He will be my number one choice when it comes to future refinancing, or referrals of friends and family. - Dale & Blanca H. – Lakeside, CA – FHA Purchase – Letter to Branch Manager 

Terry Keeton was such a pleasure to work with! I can honestly say that anytime we had a question or concern, Terry was right there willing to assist...........and with myself being a first time home buyer I had all types of questions. Rashaad and I would highly recommend Terry's services! He did an excellent job in helping our dream of becoming homeowners a reality!!! - Karen L. & Jabari R. – Allen, TX – FHA Purchase

Thanks again for all of your help; we are loving the house ;-)!! - Terri N. – Keller, TX – FHA Purchase

Finally today I got some free time, I didn't even said thank you to you yet. Thank u sooo my brother, it was all ur help that we have our own house and now we will make it a home sweet home. Once again Thank You soooo much Terry. - Suhair & Wasik K. – Stockton, CA – FHA Purchase 

Thank you Terry for all your help and all the things you did for us to get the house. Thank You! - Raul U. Jr. & Sr. – San Diego, CA – FHA Purchase  

Your team was very professional. I really enjoyed working with Terry. He is very good at what he does. Your team has made a dream come true for my family and we thank you very much! - Pamela & Derrick F. – College Station, TX – FHA Purchase

Thanks a million.  I will definitely tell my friends about you! - Rodora M. – Euless, TX – FHA Purchase

Again, thanks soo much for all your help! Take care and that's for not just assisting us with the house but also for your time and for showing that you actually care about your customers! - Kenya P. – Austell, GA – FHA Purchase 

" As first time home buyers there is a lot you need to know and understand. That is why it is important to have the right people with you.  Terry Keeton is that kind of person; very professional, honest, and dedicated to his work.  We were very lucky to have found him! 

 We did have a bad experience with a different loan officer from a different company, we were about to give up on our dream of getting a house.  Thanks to our real state agent we got in contact with Terry, what a nice and friendly person. 

His valuable help, explanation about every single step you have to take, and his honest commitment to work on your case and situation makes him a great asset not only for his company (PrimeLending), but most important, for you!

We are really grateful to have met Terry.  He always worked fast and efficiently for us. One of the many things we really appreciate from Terry was seeing him the day of our closing, he was there supporting us and making sure everything was right!  THANK YOU, Terry." -   Freddy T & Sandra P - Wylie, TX - FHA Purchase 

Stay in touch because we are selling a lot of homes. I will recommend my customers.  -  Greetings.  -  Flavio Marquez - Brownsville, TX - Home Builder

 The windows are great and make a great difference this winter. I cannot thank you enough for helping us in re-financing our mortgage. - Michael & Angela S. – Hopkins, SC – VA Refinance 

"I will refer you to others as the loan went smoothly and you were knowledgeable. The Service was as advertised and without the bait and switch I have experienced elsewhere. No complaints."  -  Gregg H. - Keller TX - VA Refinance

"I felt very upset & discourage as if there was no hope in our situation. I felt as if all my dreams of owning a new house were never going to happening, I had talk to many mortgage brokers & firms who would not help my family. Time was running out on me. I wanted to get a house for my husband who was serving in Iraq... & also help my kids who were in a very bad situation.

When I first talk to Terry Keeton, I thought that he was going to be like all the rest of the mortgage people that I talked to in a total of 8 months. Real quickly Terry Keeton gained my confidence & I FELT AT EASE. He had a proven track record, & also while I was talking to him I looked him up online to make sure there were no Rip off reports & bad information on him & PrimeLending. To my findings there was all of this positive good information on Terry which instantly put me at ease. I begun to explain to Terry that my husband was in Iraq & how I did not want him to return home the bad neighborhood we lived in. Every soldier should be able to come home to peace & my neighborhood was far from that. I even begin to cry & tell Terry how my daughter who is 12 years old do virtual surgeries online & wants to be a doctor when she grows up. In my kids situation they were constantly picked on & teased everyday because they were focus on education. The kids in that school constantly fight & disrupt the class so bad that it is hard for kids to learn. My daughter constantly feared going to school to face her bullies & developed a stomach issue because it. I felt like there was no hope for my family & that we will be stuck living in this hell for the rest of our lives.

In 2004 our house caved in leaving us homeless while my husband was on his 1st tour to Iraq. I was forced to file bankruptcy because of this. Our family went through so much uncontrollable trauma that no one would give us a chance. I quickly explained to Terry that we desperately needed his help in trying to make this dream a reality for my family. It touched me how Terry Keeton would call me back on my file. I mean this was amazing to me because I dealt with other mortgage companies before & they would not call back, let alone give my file the time of day with a 561 credit score. We failed the automated process with VA loan, but Terry told me don't give up that he would do his best to make it happen in a manual underwriting process... & if all failed we will walk away knowing we gave it our best shot with all options. Finally I said to myself... a person who cares about my family needs & who wants to help us.

Terry started off by telling me that this can be a process to go fairly and good if I get him all the documents required to support our case & file. Everything Terry ask for I gave to him within a timely fashion. If you want happiness for your family & you know someone like Terry who gives you 100% of his time & effort, you would get everything they ask for. Getting the documents for me was hard, without my husband being here to help me & fighting for my family... sometimes I felt like giving up. Terry was there to comfort me with words of encouragement & assure me that he was going to do everything he could & I had to push & find all documents. I kept saying to myself I could do this...& every time I say that I would find another document. The underwriting process was scary for me. I was afraid that they would look at me as if I was another person & not at all the documents to support my story. The underwriter wanted to make sure that we could meet all requirements & that all documents was right. I remember not sleeping & I remember telling myself that I've come too far to give up now. Terry worked the file & kept pushing for me.

I will never forget the day when I got my final answer. It felt so good to hear Terry Keeton say that one word (APPROVED!) I cried... I told my husband in Iraq that he was coming home to a brand new house. Oh boy... did my husband cry... his fellow soldier buddies cried, they dance & screamed. Most importantly to look into my kids eyes & to hear them say the trouble is over, to hear them say mommy Terry rescued us & helped us was the best thing a mother could hear.

We are now in our house & we love it!!!! Thank you Terry Keeton & PrimeLending for giving my family a 2nd chance. You will always be a part of my family."  -  SGT and Mrs. B. & Family - Richmond, VA - VA Purchase