Teresa Cepicky, FirstBank Mortgage Loan Originator, nmls 1460595

06/16/2026

Two buyers can purchase the same-priced home and have very different payments.

That’s why understanding structure matters more than guessing numbers.
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06/15/2026

Agents, the strongest offers aren’t accidents. They’re built on solid pre-approval and a lender who picks up the phone.
We love being the team your clients can count on. Let’s talk partnership.

06/09/2026

Strong offers aren’t accidental. They’re built through preparation and communication.
https://myoc.io/sd*lbdohbjx

06/09/2026

5.0 star review received on Experience.com for Teresa Cepicky by Robert A - All of my questions got answered almost immediately, and It Made the whole process seem a lot smoother

Click to see all 557 reviews of Teresa Cepicky, Mortgage Banker | NMLS # 1460595

06/02/2026

Online calculators can only take you so far. Real numbers create real confidence. Let's talk about yours.
https://myoc.io/sd*lbdohbjx

05/26/2026

House hunting feels different when you’re already pre-approved.
https://myoc.io/sd*lbdohbjx

05/19/2026

Buying isn’t just about approval.

It’s about making confident decisions long-term.
https://myoc.io/sd*lbdohbjx

05/15/2026

5.0 star review received on Experience.com for Teresa Cepicky by Denise B - Teresa always shows up to do business, and she finishes what she starts. She takes great care of my clients and is responsive to them and me. She is knowledgeable and keeps everyone in the loop, updated on progress or problems. She is a problem-solver and keeps everyone calm through the process. I will continue to refer her to my clients.
Denise Boothby
Benchmark Realty

Click to see all 556 reviews of Teresa Cepicky, Mortgage Banker | NMLS # 1460595

05/12/2026

Online calculators are helpful, but the only real way to know your buying power is to talk with a trusted lender.

✅ Outline your options
✅ Answer your questions
✅ Show you what you can really afford

Need a local lender that knows your community? Send us a message - we'd love to discuss your options!
https://myoc.io/sd*lbdohbjx