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Meet Team Terry
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Chris has a mission: To under promise and over deliver in every aspect of his work and life. Whether he's financing a business expansion, securing working capital for new contruction or answering a question for a potential client, Chris is determined to succeed beyond anybody's expectation. Again and again, that's exactly what he does.
Chris entered the finance industry after successfully growing two Mobil gas stations from their infancy. In 2001, Chris joined Rock Financial and completed their extensive sales training program. CEO Dan Gilbert invited Chris to address the entire sales staff, sharing the secrets of his remarkable and rapid success. Seeing more opportunity on the broker side of the industry, Chris joined I.T. Mortgage and with successive promotions, Mr. Terry rose to President of the company. In 2006, I.T. Mortgage became Source Mortgage and under Chris's direction, Source grew to 40 employees. When the lending landscape changed in early 2008, Chris joined Elk Financial. Chris prides himself on his ability to keep his clients well-informed. His thorough attention to detail ensures there are no surprises, especially at the eleventh hour. That's a quality everyone appreciates.
Outside the office, Chris loves his wife Bobbie. Together they have custody of their 11 year old nephew Quentin. They all love their English Bulldog Saige. Chris enjoys golf and camping. A long-time Michigan resident, Mr. Terry enjoys attending various sporting events throughout the area.
"As always, I'm only 10 digits away!"
-Chris Terry
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People person is the first thing that comes to mind when thinking of Pete Kavalos! Trust is hard to come by in the mortgage industry, so Pete is a breath of fresh air. Working with clients is something that Pete enjoys. Numbers have also brought Pete pleasure for over 20 years while managing two gas stations. Pete has over 20 employees working under him and his staff all speak very highly of his compassion for people and his ability to get the job done. Chris Terry needed a professional, so he tapped Pete to come on board. Pete is customer-oriented and a vital asset to Gold Star Financial and the CCT team. He prides himself on always being available for clients morning, noon, night and weekends. Helping clients and being honest is very important to him. When it comes to fixing credit issues or getting refinancing for a home, even in this declining market, he can help. Pete is also fluent in Greek and is an active part of his church among other Greek organizations he belongs to. Pete is a life-long Michigander. He loves spending time with his wife Alicia, his 8-year-old daughter Ellie, and his new bundle of joy, Nicholas. Pete’s hobbies include reading, traveling, local sporting events and golf, golf, golf!
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Persistence, hard work, dedication and determination: These words describe Chris Alexander’s daily work. Whether a loan is cleared to close or an applicant is in need of extra attention to qualify, Chris is there to see it through from start to finish.
Chris Alexander moved into the finance industry from the tool & die field in 2004. He was hired at I.T. Mortgage and trained extensively under the direction of Chris Terry as a loan officer. He continued on as a loan officer until 2007 as the mortgage industry was changing dramatically. With the knowledge he gained as a loan officer, Chris was able to ease into a position as Chris Terry’s personal assistant. This combination has proven to be a success by the amount of referrals satisfied clients have given them. Chris’s no-nonsense attitude is critical in achieving the desired liaison between the client and the lender.
Chris is a life-long Michigan resident. He enjoys building a life with his wife Christina and their daughter Cameron. In his spare time, Chris enjoys collecting music and sports memorabilia, golfing, and attending various sporting events in the Metro area.
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Loren Yates joined Gold Star Mortgage in 2009 and has been in the residential mortgage loan industry for over 8 years. Loren is licensed in the state of Michigan providing Conventional, FHA, VA and Rural Development financing for new home purchases as well as refinances.
Loren will take the time to understand your exact needs and then custom tailor a loan to fit those needs. His philosophy is “Treat every client as if they are my only client”. This philosophy builds a long term trust with his clients allowing him to work with a broad referral network.
Give Loren a call to see how he can provide you with top notch service as well as save you money in the process.
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Stephen Ferency
Office: 248.762.8915
NMLS # 169277
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Having gone through the trials and tribulations of this industry in the last couple of years, Stephen has been able to maintain a close personal relationship with all of his clients. His mission is to successfully close every loan and make the experience a smooth one so you will be his client for life. Tough deals are his favorites; he loves a challenge. There is nothing that Stephen cannot accomplish and that is why 75% of his business is repeat or referred clients. He prides himself on always being able to return a phone call, voice mail, or email within one hour.
Stephen has been in the mortgage industry since 2001. He was the top producer at Fidelity Mortgage for 7 years and worked closely with their in-house title company. This enabled Stephen to understand the process from beginning to end. It also helps him to foresee things that may pose a problem at the beginning of the loan process. Stephen’s motto is, “My Clients needs come first and foremost” and he feels that has been the backbone to his success in such a rewarding business!
When not working Stephen’s passions are watching his 10 year old son Daiton grow while they both enjoy the lake they live on in Oakland County. He also enjoys cooking, traveling, and Winter sports.
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Meet Team Terry
|
|
Chris has a mission: To under promise and over deliver in every aspect of his work and life. Whether he's financing a business expansion, securing working capital for new contruction or answering a question for a potential client, Chris is determined to succeed beyond anybody's expectation. Again and again, that's exactly what he does.
Chris entered the finance industry after successfully growing two Mobil gas stations from their infancy. In 2001, Chris joined Rock Financial and completed their extensive sales training program. CEO Dan Gilbert invited Chris to address the entire sales staff, sharing the secrets of his remarkable and rapid success. Seeing more opportunity on the broker side of the industry, Chris joined I.T. Mortgage and with successive promotions, Mr. Terry rose to President of the company. In 2006, I.T. Mortgage became Source Mortgage and under Chris's direction, Source grew to 40 employees. When the lending landscape changed in early 2008, Chris joined Elk Financial. Chris prides himself on his ability to keep his clients well-informed. His thorough attention to detail ensures there are no surprises, especially at the eleventh hour. That's a quality everyone appreciates.
Outside the office, Chris loves his wife Bobbie. Together they have custody of their 11 year old nephew Quentin. They all love their English Bulldog Saige. Chris enjoys golf and camping. A long-time Michigan resident, Mr. Terry enjoys attending various sporting events throughout the area.
"As always, I'm only 10 digits away!"
-Chris Terry
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People person is the first thing that comes to mind when thinking of Pete Kavalos! Trust is hard to come by in the mortgage industry, so Pete is a breath of fresh air. Working with clients is something that Pete enjoys. Numbers have also brought Pete pleasure for over 20 years while managing two gas stations. Pete has over 20 employees working under him and his staff all speak very highly of his compassion for people and his ability to get the job done. Chris Terry needed a professional, so he tapped Pete to come on board. Pete is customer-oriented and a vital asset to Gold Star Financial and the CCT team. He prides himself on always being available for clients morning, noon, night and weekends. Helping clients and being honest is very important to him. When it comes to fixing credit issues or getting refinancing for a home, even in this declining market, he can help. Pete is also fluent in Greek and is an active part of his church among other Greek organizations he belongs to. Pete is a life-long Michigander. He loves spending time with his wife Alicia, his 8-year-old daughter Ellie, and his new bundle of joy, Nicholas. Pete’s hobbies include reading, traveling, local sporting events and golf, golf, golf!
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Persistence, hard work, dedication and determination: These words describe Chris Alexander’s daily work. Whether a loan is cleared to close or an applicant is in need of extra attention to qualify, Chris is there to see it through from start to finish.
Chris Alexander moved into the finance industry from the tool & die field in 2004. He was hired at I.T. Mortgage and trained extensively under the direction of Chris Terry as a loan officer. He continued on as a loan officer until 2007 as the mortgage industry was changing dramatically. With the knowledge he gained as a loan officer, Chris was able to ease into a position as Chris Terry’s personal assistant. This combination has proven to be a success by the amount of referrals satisfied clients have given them. Chris’s no-nonsense attitude is critical in achieving the desired liaison between the client and the lender.
Chris is a life-long Michigan resident. He enjoys building a life with his wife Christina and their daughter Cameron. In his spare time, Chris enjoys collecting music and sports memorabilia, golfing, and attending various sporting events in the Metro area.
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Loren Yates joined Gold Star Mortgage in 2009 and has been in the residential mortgage loan industry for over 8 years. Loren is licensed in the state of Michigan providing Conventional, FHA, VA and Rural Development financing for new home purchases as well as refinances.
Loren will take the time to understand your exact needs and then custom tailor a loan to fit those needs. His philosophy is “Treat every client as if they are my only client”. This philosophy builds a long term trust with his clients allowing him to work with a broad referral network.
Give Loren a call to see how he can provide you with top notch service as well as save you money in the process.
|
|
Stephen Ferency
Office: 248.762.8915
NMLS # 169277
|
Having gone through the trials and tribulations of this industry in the last couple of years, Stephen has been able to maintain a close personal relationship with all of his clients. His mission is to successfully close every loan and make the experience a smooth one so you will be his client for life. Tough deals are his favorites; he loves a challenge. There is nothing that Stephen cannot accomplish and that is why 75% of his business is repeat or referred clients. He prides himself on always being able to return a phone call, voice mail, or email within one hour.
Stephen has been in the mortgage industry since 2001. He was the top producer at Fidelity Mortgage for 7 years and worked closely with their in-house title company. This enabled Stephen to understand the process from beginning to end. It also helps him to foresee things that may pose a problem at the beginning of the loan process. Stephen’s motto is, “My Clients needs come first and foremost” and he feels that has been the backbone to his success in such a rewarding business!
When not working Stephen’s passions are watching his 10 year old son Daiton grow while they both enjoy the lake they live on in Oakland County. He also enjoys cooking, traveling, and Winter sports.
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We will begin the work of verifying all the information you've provided.
This process can take anywhere from one to four weeks, depending on the type of mortgage you choose, whether you're buying a home outside your local community, or a host of other factors.
Within three business days after your signed application, we will give you a good faith estimate of your closing costs. You will also receive a statement that shows your estimated monthly payment, the cost of your finance charges, and other facts about your mortgage.
Stay in touch with us to speed up the application process. Some home buyers find the closing process to be one of the most intimidating aspects of buying a home because it's so unfamiliar. If this is a concern for you as well, ask us what to expect at your closing.
Once you receive your approval, and you're waiting to close on the sale of the home, don't go on a shopping spree. The mortgage lender may do a final check of your credit report or bank accounts to make sure you're not assuming more debt or spending your cash reserves. There are steps you can take if your loan is denied.
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