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Terence Flannigan

Vice President of Mortgage Lending
740 Garden View Ct Ste 100
Encinitas, CA 92024
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NMLS: 345128
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TestimonialsCustomer testimonials Read more

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.

Greg Murphy, General Manager - ,

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.

Randee Moonjian, Real Estate Agent - ,

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!!!

Serdar Begnazarov, Sr. Software Engineer - ,

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.

Evelyn Edelstein, Realtor - ,

About Terence

Terence Flannigan’s advanced education in psychology and his private practice in family therapy nourished his passion to assist others. Seeking to utilize his skills in financial analysis, he coupled his two passions and in 2003 began a vibrant career as a full-time mortgage expert. Providing comprehensive service and creating meaningful relationships are the keys to his success. He takes time to educate each client on mortgage and lending practices and how to achieve financial growth through responsible fiscal management. He maintains relationships with his clients and provides continued lending services and guidance for years after their first purchase or refinance. Always striving to provide exceptional customer service, he has created a business that is based primarily on repeat clients and their friends and family members. Born the fifth of six children in Huntington Beach, CA, Terence comes from a long line of hard-working, dedicated professionals. When he is not in the office, he can be seen on the ball field coaching his son or at the nearest park playing alongside his daughter. He also enjoys running marathons and 5Ks, working out regularly, golfing, taking cooking and photography classes and attending sporting events.