Richard Terzo

ARE YOU A REAL ESTATE AGENT LOOKING TO GROW YOUR BUSINESS?

Unique Trade In Mortgage Program

Completely eliminate contingent offers and allow your clients to comfortably buy before they sell

In-House Underwriting & Funding

In-house Non-QM underwriting means faster closings with fewer fees.

$10,000 Closing Guarantee

Our $10,000 Closing Guarantee ensures confidence in your clients’ offers.

HOW CAN WE HELP YOU?

Welcome! I’m Richard Terzo, a trusted loan officer with over 28 years of experience serving South Carolina. I’ve walked in your shoes—having worked as a real estate broker, builder, and now a mortgage professional. I understand the challenges you face, from low inventory to clients who need creative financing solutions. My mission is to make your life easier by helping you close more deals, no matter how unique or complex they are.

One-Stop Shop for Real Estate Loans: I specialize in loan programs that solve the toughest financing challenges. Whether it’s condotels, non-warrantable condos, manufactured homes on leased land, or investors looking for flexible qualifications, I offer solutions that other lenders can’t. With in-house underwriting for Non-QM loans, I provide better rates, fewer fees, and complete control of the loan process.

Streamlined Transactions with a Personal Touch: I believe in making every transaction as smooth and efficient as possible. With my $10K Closing Guarantee, I shoulder the risk, ensuring that we move from offer to closing with confidence. My commitment is to provide you and your clients with services that exceed expectations.

Tailored Solutions for Relocating Clients: For clients moving to South Carolina, I provide bridge loans, trade-in mortgages, and asset-only qualifications, ensuring they don’t miss out on their dream homes. Many out-of-state lenders don’t understand our local market, but I do—and I’ll keep your deals on track.

A Commitment to Communication: Agents I work with consistently tell me their biggest pain point is poor communication with lenders. I solve this with frequent updates at every stage of the loan process, ensuring all parties are informed and confident. My goal is to let you focus on selling homes, not chasing down loan status updates.

Partnering for Success: I am local to the Carolinas, with deep roots in the community and a reputation for integrity, service, and results. By working with me, you gain a partner who cares about your success as much as his own.

Let’s close more deals together. Reach out today, and let me show you how my tailored solutions, unbeatable speed, and industry expertise can help grow your business.

WHY CHOOSE US?

SEE WHAT TOP-PRODUCING REALTORS IN OUR MARKET ARE SAYING ABOUT OUR TEAM

MEET WITH RICHARD

At Cornerstone First Mortgage, LLC. we are dedicated to delivering high-quality customer service and offer an extensive range of home loan programs with competitive rates to deliver a solution that best fits the need of each client.

For Licensing Information go to:
www.nmlsconsumeraccess.org

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Company NMLS #173855
Richard Terzo NMLS #1017874