About JD Terry
I started my career in the Mortgage Industry in early 2003. I wanted to work in a challenging industry with the opportunity to help others achieve their financial dream of owning their own home. I can not think of any other field where I would have the chance to help clients daily, with the largest financial decision of their lives at that time. With over 14 years of experience, I have developed a very enhanced knowledge of the mortgage process, and what it takes to deliver an experience like no other! My father served 26 Yrs. in the military, and my brother is currently on active duty. My experiences growing up in a military family have really enabled me to hone in on important characteristics that directly apply to my business. Being respectful, being timely, being committed to excellence, being appreciative for what you have, being trustworthy, and knowing that anything worth doing is worth doing it right the first time is just a few backbones to the way I approach my business for my clients and referral partners. I have lived in the Wilmington area since high school. I went to the University of NC at Wilmington where I received my BS and a minor in Marketing. I also met my wife, Beth, at UNCW as well. We have been married for 16 Yrs. and have three beautiful children; Emerson, Anderson, and Jackson. We love the Wilmington area and the surrounding counties! Where else can you have the beach, the intercoastal waterway, a vibrant and historic downtown, and the country all within 25 min? We truly are lucky to live and work where do! Every day when I come to work I am so excited to do what I love! Helping clients to buy their new home is such a rewarding feeling! I want to make sure that when we close I have a client for life, I want our clients to be able to rave about their experience and to feel like they are family. The home is where your heart is, and family is what makes it a home….
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.490% | 6.763% | 0.911 ($3188.50) | $2209.94 |
| 15-year fixed | 5.500% | 5.941% | 0.742 ($2597.00) | $2859.79 |
| FHA loan | 5.990% | 7.008% | 0.965 ($2945.67) | $1964.90 |
| VA loans | 5.990% | 6.480% | 0.71 ($2901.06) | $2447.14 |
| Jumbo loans | 5.990% | 6.250% | 0.939 ($8451.00) | $5390.17 |
* Rates current as of 4/7/2025 10:26 am, provided by JD Terry, for New Hanover County, NC, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 1111 Military Cutoff Rd, Suite 191 Wilmington NC, 28405