Terence Flannigan

Private Mortgage Advisor, NMLS #345128 Guaranteed Rate Affinity
Born and raised in Huntington Beach, California, Terence Flannigan graduated from Mater Dei High School and began his college education with a football scholarship at Cal Poly, San Luis Obispo, where he studied Psychology. He continued his higher education and received his Masters of Counseling at California State University, Fullerton while also receiving his Masters Certificate in Sports Psychology at JFK University.

Specialties: • Home Purchase Loans • Home Refinance Loans * Cash Out Loans • Debt Consolidation Loans • FHA Loans • VA Loans


Dec 11, 2017
Prof. at Notre Dame
I did not meet with Terrance personally and all our interactions were by phone or emails. We needed a loan for a purchase of a home upon moving to CA from another state. Terrance struck us as a straight-shooter, tells it as it is. He provided us with his estimate and we compared it to others. His estimate was competitive so we decided to take it and we never regret it. As it turned out, the closing was delayed several times, which required modifications. At all these stages Terrence provide us the options and suggested his recommendation, which we did follow. After the two months of the process I can express my thanks to Terrence: Honest, professional, efficient and responsive to the needs, assisted by an excellent team that follows his leadership.
Nov 9, 2017
home buyer
I met Terrence first over the phone on a pre qual before my offer would be considered...from the first minute he treated me as a client, with respect, and honesty and assured me of his abilities of completion of my not so regular loan application...He was not bragging as everything that he offered came through perfectly and on time...I was impressed with his outstanding staff as well...great job by a top notch lender best ray morris
Sep 22, 2017
home buyer
I was impressed with the efforts and put his team at the top of my list as far as integrity, follow up and honesty...his team led by Stacy was highly organized, respectful and committed to delivering the best service!
Sep 19, 2017
Thank you Terence for the time and effort you have put in to making this sale happen. As I was representing both the buyer and the seller, it was very important to stay on top of all the details and report back to my clients. You showed such patience with me and my buyer as it was a little more complicated then expected. You have always gone out of your way to help my clients.
Apr 21, 2017
General Manager
As part of my executive relocation, Terence fully supported the purchasing process of my new home. He and his staff knew the process, were very attentive and spent the time with us to explain how the mortgage process may differ from that of my home state. An overall excellent experience with a closing that was done in near record time.
Feb 9, 2017
Real Estate Agent
I have used Terence several times when my buyers needed some quick responses.
Regardless of when I have emailed or called Terence for help, he has always gotten back to me immediately. He has definitely helped my buyers get their homes they wanted. I know I can reach out to Terence and he will be there for my buyers.
Stacy, his assistance, has been instrumental in helping all parties get their loans closed. I would highly recommend Terence and his staff for any financing you need.
Dec 28, 2016
Sr. Software Engineer
Terence did an awesome job by closing our mortgage within a short time set by the seller. He was very easy to work with. Highly recommended!!!
Dec 21, 2016
Terence does a great job throughout the loan process and is very easy to work with. He has closed many challenging deals for me. He works consistently to get the job done competing with his opposition to keep competitive with in the industry. The ultimate goal is of closing in a timely manner is always achieved and a happy customer.
Dec 13, 2016
Coorporate Finance Consultant
Terence and his team did a great job throughout the whole process of the loan.
Nov 1, 2016
Field IT Technician
Terence did a fabulous job refinancing my condo loan. He went the extra mile to get me the best terms possible. I've worked with a few other brokers before, but nobody can match Terence's performance. I will definitely use his services again.
Oct 21, 2016
Professional Realtor
Terence works HARD to help clients achieve their desired goals in an industry that is always changing and very difficult for consumer's to navigate. He is relentless, creative and thinks outside the box. If you are looking for a mortgage professional to assist with your long and short term financial goals give him a shout! You will be so glad you did...
Oct 10, 2016
Terence is a fighter. Where other gave up as too hard, he worked the problem and found solutions to get us into our house. Very grateful for all he did.
Oct 8, 2016
Hospitality Asset Manager
Consummate professional, detailed, very commutative and someone I trust 1000%! I've know Terence more than a decade and wouldn't think about utilizing anyone else.
Sep 30, 2016
Realtor with Coldwell Banker in Encinitas, CA
Terence is a consummate financial professional. He is always on top of his game and ,if anyone can get your clients an excellent loan, it is Terence. His follow-up and attention to detail make him a terrific person to deal with. I highly recommend Terence and know you will be happy with the results he will produce for you.
Sep 29, 2016
Terence Flannigan is a skilled, professional, and knowledgeable mortgage advisor. Not only does he know the industry inside and out, he is also extremely organized and responsive. He provided me with detailed information and guided me through every step of the lending process. He made what could have been a stressful and difficult process easy and smooth. I would consult and use Terence again in a heartbeat for all of my future lending needs. Thank you Terence!!
Aug 12, 2016
Sr. Network Manager
Awesome job! Very professional. Highly recommended.
Aug 9, 2016
Software Engineer
I have just refinanced my mortgage and Terry was my adviser. I am absolutely delighted with Terry's service. It is really refreshing to work with a financial adviser who is truly interested in their client’s needs, circumstances and preferences. What really impressed me was the way he took the time to get a feeling for where I was at, his depth of knowledge, lateral thinking and his common sense approach. His professional, ethical and caring demeanor elicits my trust and respect and I gladly recommend his services whenever possible.
Aug 8, 2016
Terence did an excellent job. Highly recommend working with him!
Aug 2, 2016
Terence is a joy to work with. He knows the business and goes the extra mile for his clients. Terence helped us get into the house of our dreams.
May 23, 2016
Network Engineer
As a first time Home Buyer I had never experienced working with a lender and definitely had no idea what to expect. Terrance was able to guide me through and put my mind at ease throughout the process. He even worked around my schedule and time crunched closing date while I was out of town. Overall the experience was tedious but we worked through every detail until the closing date. I couldn't have asked for a better lending agent for my first loan experience.
May 6, 2016
We recently worked with Terence as our loan officer in a process to purchase a house. From my perspective it was a complicated transaction and he and his staff did a great job taking care of us and making certain that the process went as smoothly as possible. We obtained a great interest rate from him and closed on time. I would highly recommend him to others if they are looking for a mortgage company.
Apr 25, 2016
We were first time home buyers and Terence helped us to achieve financing. He not only helped us but he educated us on the home buying process. He was always available and with the help of his assistant the home buying process was painless! I highly recommend him.
Apr 25, 2016
Terence was recommended to me by my realtor. I had spoke with many mortgage companies that offered comparable service. Terence was persistent. Our qualifications were complicated and Terence explored and came up with the best way forward. He explained things upfront and was candid in our talks. The lender caused some issues and Terence leveraged it for a better rate.

I would recommend Terence to anyone.
Apr 15, 2016
Real Estate Broker
Terence had great communication throughout the entire loan process. He made sure I understood all of my options so I could make the most informed decisions, and we closed incredibly fast and with NO surprises. He delivered exactly what was promised.
Feb 16, 2016
Terence was very frank and helpful from the very first day I was introduced to him. He was clear about the tough mortgage financing regulations and conditions that exists in the current market today for self employed individuals. Though as a home buyer the situations were sometimes frustrating, Terence kept things calm and managed to guide us to the final loan approval. His confidence is what keeps one going.

Again I would like to thank Terence for a wonderful job and we would certainly work with him in our future.

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