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    Services - Terra Sotelo

    Mortgage services

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    Ask the Community - Terra Sotelo

    Review Highlights - Terra Sotelo

    I just finished my refinance with Terra and couldn't be happier or more impressed.

    Mentioned in 2 reviews

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    People searched for Mortgage Brokers 773 times last month within 15 miles of this business.

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    Sean Herrero Mortgage - Cross Country Mortgage

    Sean Herrero Mortgage - Cross Country Mortgage

    (126 reviews)

    We found Sean through a referral from our Realtor, Jessica Nance, and honestly, I don't think we…read morerealized at the time how much that decision would shape our whole experience. As first-time homebuyers, we had a lot of questions... and then somehow even more after that. Sean never made us feel rushed or like anything was too basic to ask. He was quick to respond, super patient, and took the time to actually explain things so we felt confident in what we were doing. What really stood out to me was how calm and steady he was through the entire process. Buying a home can feel like a lot, and there were definitely moments where it could've been overwhelming, but Sean and his team made it feel manageable... and honestly, smoother than I expected. They stayed on top of everything and kept things moving without us having to chase anything down. My husband and I just always felt taken care of, which matters a lot with something this big. If you're looking for someone who knows what they're doing, is responsive, and genuinely wants the process to feel easy for you, Sean is your person.

    We had given up on buying a home and when we saw our Dream home was back on the market we were…read morescrambling to get a lender and securing a loan. Sean was referred to us from our realtor and she told us Sean was great but we didn't expect him to actually work magic. He was able to get us pre-approved in a day and worked to get our loan funded in a week (yes, actually 7 days), which left us a week in spare in our 14-day close! Sean was so communicative and loved how he explained every step of the process. He made our first home buying experience so easy! Would definitely recommend Sean!

    Wallick and Volk Mortgage: John Kay

    Wallick and Volk Mortgage: John Kay

    (18 reviews)

    My partner and I are currently first-time homeowners, and unlike the other parties we had to work…read morewith throughout this transaction, John made it super easy and walked us through each step of the way. Multiple, multiple times to ensure that we understood the how and why. In fact, he is the highlight of this stressful, home-purchasing process. Even post transaction, John made sure to send me reminders, and I still go to him with questions to validate my Google searches on a monthly basis. Though I am an excellent Google searcher, I highly value John's opinion and experience. Highly, highly recommend John! No regrets!

    This guy is a thief. He will do his best to give himself a inflated commission and make you think…read morelike he is doing you a favor while he takes your money. I don't mind paying legitimate fees, but hate someone who tries to take advantage of people. This guy is slick. He really tries to extract extra fees during the loan process I ended up having to throw this guy off my deal because he kept delaying the close of my property He kept trying to squeeze more money out of me, but never gave me a legitimate reason why it was needed. He is a master manipulator. At one point he tried to charge me 5 points in order to lower my interest rate a measly 1/2 percent. He even fooled the Realtor I was working with almost to the end. Fortunately the Realtor had some integrity and managed to salvage my deal at the last minute. He is the worst lender I have ever used. I have no idea why he is not in jail. He has had to change companies a few times after my deal closed. I am confident it is because he got caught trying to pad his commision. Stay away from this guy. He's a wolf in a expensive suit. I worked with this guy after the financial crash during the worst lending climant in history. It really takes someone arrogant to try to rip someone off during that time. I might add that my loan was not huge, so why inflate the fees so much unless you are purposefully trying to rip someone off. I also want to clarify that I am not in the real estate business as implied by other reviews. I am in the medical business. This guy cost me extra money by delaying the close of my deal. I am sincerely concerned that he is still out there being allowed to rip people off.

    Terra Sotelo - mortgagebrokers - Updated May 2026

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