NMLS# 1698494 Ukiah, CA TerryPhenicie@UmpquaBank.com 707-239-8092
Home Loan Officer

Terry Phenicie

Terry has seen it all during his 30 plus years in the industry. Undervalued markets, overheated markets, and every market in-between. The one constant has been Terry’s ability to communicate effectively and ease his clients’ fears of the loan process. Specializing in construction, rehab and refinanced loans, Terry has received numerous awards throughout his career including a Gold Award from RBC Mortgage.

Outside the office, Terry enjoys golfing, spending time with his family and exploring every corner of the U.S. Active in his community, Terry also volunteers with Plowshares and is a longstanding member of the Rotary Club.

  • Apply Now

    Getting a home loan is complicated. We’re here to keep it simple.
  • Already Applied

    You've already applied for the loan and now you want to check on its status.