Financing Your Dream, Without the Drama

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Welcome To TERENcIA LENDS

Your trusted resource for residential mortgage solutions.

I’m a licensed Mortgage Loan Officer (NMLS #2349923) with NEXA Mortgage, and I specialize in helping individuals and families secure the financing they need to purchase, refinance, or invest in real estate. Whether you’re a first-time homebuyer or a seasoned investor, I’m here to guide you through every step of the lending process with clarity, care, and confidence.

With over 25 years of experience in corporate project and change management, I bring a strategic, detail-oriented approach to every loan file. My mission is to help you make informed decisions and secure the best mortgage product for your unique goals.

I hold a Bachelor’s degree in Legal & Policy Studies from Fordham University, and I am currently pursuing a Master of Science in Artificial Intelligence Management and Policy at Purdue University. My academic background, combined with hands-on expertise, allows me to serve clients with intelligence, integrity, and innovation.

Originally from New York and now based in Atlanta, Georgia, I proudly serve clients locally and nationwide. When we work together, you can expect transparency, professionalism, and five-star service from start to finish.

Let’s make your homeownership dreams a reality.

Connect with me today to apply, ask questions, or schedule a consultation.

Smart Loan Plans

We craft tailored mortgage solutions that match your unique goals, lifestyle, and budget – no one-size-fits-all approach here.

Expert Support

Expert Support Whether you’re a first-time homebuyer or a seasoned investor, my team and I are here to guide you with clarity, care, and confidence. From application to closing, we ensure you feel informed, supported, and empowered throughout the entire process.

Trusted by Clients

We've helped families and investors finance their goals – with glowing reviews and proven results that speak for themselves.

Why Choose Us

We’re Committed to Helping You Own with Confidence

With access to 250+ lenders, a client-first mindset, and years of hands-on experience, we’re here to make your mortgage journey simple, transparent, and stress-free — from application to closing.

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Lending Partners Available

Loan Options & Services

We Deliver the Right Loan for Every Buyer

From first-time homebuyers to seasoned investors, we offer a wide range of financing solutions to fit your goals and lifestyle.

First-Time Buyer Loans

Step-by-step support and low down payment options to help you secure your first home with confidence.

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FHA / VA / USDA Loans

Access government-backed programmes with competitive rates and flexible qualification.

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Refinance Solutions

Lower your monthly payments, tap into equity, or shorten your term — all with expert guidance.

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Investment Property Loans

Smart, scalable loan options for rental properties and commercial real estate ventures.

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Self-Employed Financing

We specialise in bank statement and alternative documentation loans for freelancers, entrepreneurs, and business owners.

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Credit & Pre-Approval Help

We assist with improving your credit profile and getting you pre-approved fast.

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Hear what others think

Testimonials

“Terencia Improved My Investment Portfolio”


Terencia Peebles helped me with my investment portfolio and got me approved for several investment properties. The process was very smooth and fast, and she was with me step by step. She’s the one you want to improve your investment portfolio.
Corico Colbert East Point, GA

“She’s Absolutely Amazing”


Terencia was absolutely phenomenal! She was very responsive and very stern with the processing team for underwriting. She even responded to me after having a major surgery and still got us a super low interest rate. She definitely puts her clients first. I will definitely be using her to purchase my investment property. Thank you so much for everything!
Ashely & BounmyLithia Springs, GA

“The Best”


T. Peebles was incredibly knowledgeable and even answered questions after hours. The process was smooth and she found me a better rate. She’s truly excellent at what she does!
J. CubitHampton, GA

“Relentless and Highly Skilled”


Terencia was the third loan officer we worked with—and by far the best. She understood our complex needs, found the right loan, and guided us at every step. If you want someone relentless and deeply skilled—Terencia is who you need.
Mr. ThonasMarietta, GA

“The Best of the Best”


Our realtor said Terencia gets results—and she was right. Terencia answered every question, worked the numbers, and treated us like family. We closed in just five weeks. She plays NO games. Thank you for making our dream come true. See you at the housewarming!
SabrinaLithonia, GA

“Great Communication”


Mrs. Terencia was great from start to finish. She kept me informed throughout and answered all my questions. Highly recommend working with her.
K. ThorntonMarietta, GA

“Phenomenal Loan Officer”


Ms. Terencia is the real deal. We wouldn’t have closed without her skill, knowledge, and persistence. She personalised the process to our needs and was always available. She’ll help make your dream of homeownership a reality. We’re so grateful.
Sheldon & MarshaHampton, GA

“Excellent from Start to Finish”


Ms. Peebles supported me and my family through the entire process. She communicated every step, day or night. Even with unexpected issues, she stayed with us and helped us close. I would recommend her to anyone.
John DoeCEO

“I Almost Gave Up Until Terencia Said, ‘I Got You”


I started with another lender and was told I didn’t qualify for much. I almost gave up. Then I called Terencia and she said, ‘I GOT YOU.’ She meant it. She handled everything and got me to closing—with $30,000 in equity and a program with forgiveness. I gained a new home, knowledge, and love. Thank you!
D. WaysRiverdale, GA

“The Best Lender Ever"


Terenica was amazing throughout the entire process. I thank you, Terenica, for walking me through the process step by step. Very professional and on point. Thank you again!!
LoveyMarietta, GA

“Extremely Personable"


I’m grateful for having the opportunity to work with Terencia. Buying a home can be stressful, however she walked me through the process, providing answers to my many questions. She’s extremely personable and responsive. Thanks again, T.
N. ThomasBaltimore, MD

“The Best Lender Ever"


Terenica was amazing throughout the entire process. I thank you, Terenica, for walking me through the process step by step. Very professional and on point. Thank you again!!
Lovey Marietta, GA
Contact

Let’s Talk About Your Mortgage Goals

Whether you’re ready to apply or just exploring your options, I’m here to help. Reach out today for expert guidance, quick answers, and a personalised quote.

Address

  • 300 Peachtree Street
    NE Suite CS2 #3363 Atlanta, GA 30308

Phone and Email