NMLS ID # 470438

Huntsville, AL


(256) 651-6574


What Others Are Saying

  • Teresa and her team were very professional in guiding me through the process of buying our new home.

    Norman L.
  • Teresa and her team members went above and beyond to help my wife and I close on our first home. Service was top notch. Communication was superb. We could not have asked for a better experience. Teresa is a 5 Star Loan Officer without a doubt. Look no further for the best experience possible.

    Jonathan K.
  • Good timely advice with good rates and fees.

    Jeff H.
  • You can't beat the personal touch and great personality of Teresa! She is open, honest and forthcoming with all and any information and when things became....strange....with the VA portion Teresa explained what was going on and what was to be expected. In the end everything went off without any problems or delays!

    Raymond B.
  • Timely communication and especially accessible. Much appreciate the ease with which we can reach you when needed!

    Robert G.Realtor


Teresa's primary role is to consult with her customers and provide loan options for their individual needs. Service doesn't stop with closing...her goal is to build lasting relationships for years to come. Teresa focuses on providing quality products with an emphasis on building and maintaining client relationships. As a former Realtor, she understands the importance of meeting deadlines for clients and providing accurate and timely information to her business partners.


Teresa has been a trusted mortgage advisor in the Huntsville/Madison area for over 16 years. She originates VA, Conventional, FHA, USDA, AHFA and various other mortgage loans for new construction, existing homes, second homes and investment properties. She is passionate about helping others realize their dream of home-ownership and getting them 'to a better place', Her goal is to provide the most up-to-date information regarding home financing options, while delivering exceptional customer service and bringing simplicity back to lending.


Teresa is not a stranger to relocation. Her father's service in the Air Force took them to many states and overseas, as well. The family's final move brought them to Huntsville in 1968. After graduating from the University of North Alabama, Teresa married David Schmitt. They have been married 35 years and have two married, adult children and a 4 year old granddaughter and a new addition to the family, a grandson. . Their daughter is a speech therapist and their son is an agent with HPD. Teresa is an active member in her local community church and enjoys volunteering and participating in fundraisers for her church's missionaries. She also enjoys being part of the mission team visiting the Methodist Orphanage in Costa Rica. Teresa was bestowed an honorary membership of the Vietnam Veterans of America Chapter 1067, due to the service and sacrifice of her father during the Vietnam War. She has a passion for serving those who have served, and those who currently serve our country.

Contact Us today and let us earn your trust!