Two Locations to Serve You Better!

7300 W 147th St, Suite 303
Apple Valley, MN 55124

3350 Annapolis Ln N, Suite A
Plymouth, MN 55447


Terry Kinney

Home Mortgage Consultant

NMLS# 288703
Tel: (877) 703-8323
Fax: (888) 698-0813
Cell: (612) 501-0627
Email Me

3350 Annapolis Ln N, Ste A
Plymouth, Minnesota 55447

After working 6 years as Cash Auditor at the brokerage firm Piper Jaffray, I was recruited to work in the home mortgage industry as a Client Marketing Representative for Prudential Home Mortgage by my lifelong friend Kirk Hoover. The year was 1995 and the Kirk Hoover & Terry Kinney mortgage team was born! Kirk and I worked as a team through Prudential Home Mortgage’s acquisition by Norwest Mortgage which later became Wells Fargo from 1995 to 1999.

Then in 1999, Kirk and I made a move to Home Mortgage Consultants to work as mortgage consultants in the wholesale mortgage broker world. This was a change from the retail environment of Wells Fargo and we continued our team approach there. The wholesale environment and our “team effort” has allowed us to provide superior service with a “2 for 1” concept that out-performs our competition’s service levels along with the wholesale world’s wider variety of products through multiple lending partners to suit the needs of our clients. We earn the title of Mortgage Consultant by not only guiding consumers to the best mortgage options but acting as their advocate through the mortgage process and finding creative ways to save money through our network of vendors.

Our organization name has changed a few times over the last few years with industry changes and being under a bank charter for a few years, but we are back in the wholesale lending world at Home Savings Mortgage. That same “2 for 1” superior service is the foundation of what we have to offer you and your future referrals! After 23 years in the mortgage industry, Kirk and I are blessed to be providing mortgages to the 2nd generation of families buying their first homes which supports our goal of creating customers for life.

Specializing in 1st time home buyers, veteran/VA loans, FHA, new construction, and both conventional and non-conventional financing. Kirk and I are able to analyze, recommend and provide the best options for all unique personal mortgage scenarios. Let us review your mortgage needs and help you experience a process that is based on communication, knowledge, and a friendly approach. This will minimize the normal stress that can come with the largest single financial decision many individuals ever make in their life.

Kirk & I have trusted partners that add to our service level. Please access our Partner Links listed above. They not only provide services to us personally, they are the best in the business!

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