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JD Terry at Guaranteed Rate

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Wilmington, NC
JD Terry at Guaranteed Rate

I am a VP of Mortgage Lending at Rate. NMLS #455169
Guaranteed Rate NMLS #: 2611 CORPORATE DESCRIPTOR: Guaranteed Rate, Inc. NMLS 2611. 3940 N.

Ravenswood Ave., Chicago, IL 60613. (866) 934 7283 • rate.com. Equal Housing Lender. For licensing information, go to www.nmlsconsumeraccess.org www.rate.com/licensing

Guaranteed Rate, Inc. DBA Rate NMLS 2611
3940 N. Ravenswood Ave., Chicago, IL 60613
(866) 934-7283 • rate.com
Equal Housing Lender
For licensing information, go to www.nmlsconsumeraccess.org
www.rate.com/licensing • www.rate.com/privacy

11/02/2026

Renting may offer short-term flexibility, but buying a home might help you build long-term stability. Let’s break down the numbers and see what works best for your situation. Get started at
https://myoc.io/h0u0q2iaqLT/tghYu

NMLS # 455169

11/02/2026

Your future home can start with one folder.

Organizing documents, such as income, assets, employment and current housing information before you apply could make mortgage prep feel a lot more manageable.

Start with one category today, then keep building from there. If you have questions, I’m happy to help you understand exactly what may be needed when you’re ready to take the leap toward homeownership. Save this post. Future you will be glad you did.
https://myoc.io/h0u0q2iaqLT/0RgSp

NMLS # 455169

10/31/2026

Still got it 😁😱

10/30/2026

Home prices were up in more than three-quarters of the nation’s metro markets in the third quarter of 2026, with the average home price sitting at $432,900. The Northeast region (4%) led the nation in price appreciation, followed by the Midwest (3.6%). 21% of markets saw home prices decline in Q3, showing there's still plenty of opportunities out there for buyers.

Need help navigating this evolving housing market? Let’s talk.
https://myoc.io/h0u0q2iaqLT/cVEXm

NMLS # 455169

10/30/2026

🎃🏡 NO TRICKS, JUST TREATS! MORTGAGE RATES ARE IMPROVING! 📉🍬

If you’ve been waiting for mortgage rates to come down before buying a home, I’ve got some exciting news for you!

Just a few weeks ago, we saw conventional 30-year fixed mortgage rates reach 7.75%.

But things have been moving in the right direction, especially this week! 🙌

📉 Rates have improved by more than 0.25% over the past few weeks!
🏡 We’re now seeing rates in the low-to-mid 7% range!
🎯 Some buyers may even qualify for rates in the HIGH 6% range with discount points!

So what does this mean for YOU?

A lower interest rate can mean a lower monthly payment, more purchasing power, and potentially more home options within your budget!

And here’s what makes this even more encouraging: We’re seeing positive momentum in the mortgage bond market, which could help create additional opportunities for buyers in the weeks ahead.

Of course, rates can change quickly, and nobody has a crystal ball. But this is definitely a welcome change from where we were just a few weeks ago!

🎃 The best Halloween treat might just be a better mortgage payment!

If you’ve been sitting on the sidelines, or you’re already shopping for a home, let’s revisit your numbers. You might be pleasantly surprised by what has changed!

📲 JD Terry | Rate
📞 910-431-6082
🌐 www.rate.com/jdterry

Happy Halloween! 🎃👻

10/30/2026

Hilary Thompson-Berkshire Hathaway HomeServices Carolina Premier Properties

10/30/2026

Property details for 809 Spy Glass Ct, Wilmington NC including school information, maps, and photos presented by The Whalen Team. MLS #100613155

10/29/2026

With the economy remaining strong and inflation lingering, the Fed opted to hold interest rates during their latest meeting. Mortgage rates are expected to stay about where they are in response. When rates hold steady, it takes some pressure off your home financing decisions. Instead of trying to anticipate what could happen next, focus on your timing, budget and other factors within your control.

If you’re in the market for a new home, let’s plan your next move.
https://myoc.io/h0u0q2iaqLT/kw5W2

NMLS # 455169

10/29/2026

Took some time to get out in the water yesterday evening with Anderson Terry , hooked up with a trout and blue too. Was a good time to catch up and be in the moment enjoying all we have here and how lucky we are to live here!

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

10/28/2026

Your next home could be closer than you think! 🏡

The Willowbrook Farmhouse by Bill Clark Homes is move-in ready and could have you settled in before the holidays!

📍 144 Flat Clam Drive | Riverside Cove
🏡 3 Beds | 3.5 Baths | 2,782 Sq. Ft.
💰 $512,501

I'm proud to partner with Sonya Coenen at Bill Clark Homes to help make your next move happen!

Ready to explore your options? Let's talk!

NMLS # 455169

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Address

1111 Military Cutoff Road, Suite 191
Wilmington, NC
28405

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.Rate.com/JdTerry?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=14667&adtrk=%7Cseo%7Cf

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