Terry picture

Terry Hess

Mortgage Banker

(951) 816-8610
(888) 381-5587
Email Me
26111 Marguerite Pkwy #A
Mission Viejo, CA 92692


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Professional Philosophy

“ I believe success in the mortgage industry is first delivering what you initially promised your client and delivering on time in the transaction. I believe in providing my clients with the best mortgage rates and fees available in the market place and giving them a process where they feel updated and included throughout the entire transaction. These basic beliefs are why I have been successful in my mortgage career. I am a husband and father of three boys. I know what it’s like when you are looking for the best mortgage financing for your family’s home and knowing that it will close on time is of the upmost importance."


Terry Hess has been originating loan since 2005 spanning his mortgage career over 15 years. He started with Home Financing Inc in 2011 after working for Lending Tree, Capital Direct Lending and Pacific Beneficial Mortgage Company.

Terry combines extensive product knowledge, upfront communication and honest delivery to ensure his clients have a pleasant home buying or refinancing experience. He focuses on having an energetic spirit and caring nature supporting his homebuyers and homeowners throughout their home purchase or refinance loan transactions. His main focus has always been pointed at establishing a relationship based on trust and setting proper upfront expectations with his clients and business partners to insure complete transparency and smooth closings.

His real strength is putting his client’s needs above and beyond his own which has provided him a referral base that he is successful with and supports his family with. He is greatly appreciative to all his past and future clients, looking forward to continuing a successful career.

What do Clients think about Terry Hess?

A brief note concerning our long relationship with Terry. We have done many property financing and refinancing transactions over the years and have worked with Terry on numerous occasions. Terry is without doubt the most honest, knowledgeable and professional broker we have ever worked with (and we have worked with some of the big firms). We have recommended him to others and will continue to do so.

Ellen F- Corporate Controller

My wife and I have worked with Mr. Terry Hess on a number of transactions both purchasing and refinancing of properties over the past few years.   We have found Terry to be extremely detail oriented professional who knows the ins and outs of the lending process.   He is always willing to meet and explain documents and the closing schedules of our loans. Most importantly, Terry is always available to take our questions. We enjoy working on all our transactions with him. We are happy to recommend him!! 

Fernando C.- Compliance Manager

Thank you for you reliable, responsive and cost effective service over the years. We are grateful that you were able to close the last loan so quickly and ultimately close escrow on our new home in Sherman Oaks, CA. We have closed a few loans over the years and I am confident that we will work together in the future. It has been a pleasure working with you and your team. Looking forward to another purchase in the new year!

William K.- Senior Project Manager

What do Business Partners think about Terry Hess?

We are seasoned agents with a large Nationwide brokerage (Allison James Estates & Homes).  We have had the opportunity to work on several transactions with Terry Hess. We can truly say that Terry has been amazing! Terry has proven time and time again to be dedicated to getting the loan done.  His efforts and energy are focused on the client and moving the loan process steadily forward, while keeping us informed and updated each step of the way. Over the many years, transactions and lenders, we have never worked with a  mortgage banker who is more committed to doing what he says he is going to do – than Terry Hess. We feel honored to have our working relationship with Terry and look forward to partnering in many more successful transactions.

Ron & Julie Baum- Realtors- Allison James Estates & Homes

Terry, I just wanted to take a minute to thank you again for not giving up on this last client of mine. After three other escrows that my client backed out of, we finally closed on the Via Bande property in Temecula.  Your patience and guidance with my client’s loan and purchase concerns thru the 18-month process was what I consider above and beyond the norm. You are a true professional, whom over the 7 plus years we have worked together, I consider you a valued member of my real estate team.

You are and will continue to be my number one go to financing guy.

Mark S. Smith- Realtor- JPM Real Estate