Terri L. Moss
President & Mortgage Broker
NMLS #259806
[email protected]Our team
A team that stays close to the details.
H.E.R. Mortgage brings together experienced professionals who care about making the financing process feel more manageable.
Kathryn Drake
Senior Loan Officer
NMLS #140258
[email protected]
Carole Welk
Loan Officer
NMLS #2044430
[email protected]
Sandra Hamilton
Mortgage Professional
NMLS #130649
[email protected]
The H.E.R. difference
Honest. Ethical. Responsive.
These values guide every conversation, recommendation, and next step.
Honest & transparent
Clear explanations, straightforward expectations, and no surprises along the way.
Ethical & selective
Borrower-first guidance that protects your interests and respects your financial goals.
Highly responsive
Timely answers and steady support when the details matter most.
Founder's message
Meet Terri Moss
With 35 years of experience in the mortgage industry, Terri Moss founded H.E.R. Mortgage on a simple belief: a mortgage should feel understandable, personal, and aligned with the borrower's real goals.
As an independent broker, Terri helps clients explore options from wholesale lenders rather than representing a single bank. Her approach is grounded in thoughtful guidance, clear communication, and a commitment to helping borrowers make informed decisions.
Let's make your next move feel more clear.
Whether you are buying your first home, moving up, or reviewing a refinance, H.E.R. Mortgage is here to help you understand your options.