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The Karr Team
RMLO NMLS 230983
NMLS #: 1200324
Terri Karr: (972) 989-4329
Sidney Karr: (817) 917-2266
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25 Noble Court,
Rockwall, TX 75032
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Team Members

Your Home Loan Experts

Below is more information about our home loan team. If you have any questions concerning the home loan process, please contact your Premier Home Mortgage Loan Expert who is on standby ready to assist you with your home mortgage needs.

Sidney Karr
Loan Production Manager
d: (817) 917-2266

Sidney will guide you through the application process and collect all of the necessary documents to complete your mortgage fi le so that it can be moved into our processing department. She will also be your coach through the loan process. She will contact you every Tuesday with an update on your file AND you will receive immediate notification when your appraisal has been completed.

Katie Larey
Office Manager
o: (972) 771-0035

Katie keeps our office running smoothly and will help direct your call to the appropriate party. She will also answer any questions you may have about directions to our office or appropriate fax lines. Katie has been an office manager for three years and is also in charge of handling our marketing distribution so that we may keep in touch with you, our valued client.

Terri Karr
Branch Manager
d: (972) 989-4329

Terri will oversee the entire loan process. After Sidney prepares the file for processing, Terri will be the last set of eyes to review for any missing documentation or clarify any questions before putting the file into process. She will also prepare your loan disclosures that will be sent to you via our corporate compliance department.
Terri will notify you when your loan is fully approved and your final closing figures are available for review. She will be directly communicating with our underwriters to make sure you are represented to the best of our abilities.

Keri Downs
o: 469-620-0509

Keri is a licensed mortgage loan originator and she has been processing mortgages for over 17 years. She will prepare your file for underwriting and keep our entire team informed of your transaction’s details through the underwriting and closing process. She will facilitate a timely and efficient mortgage experience for you as our valued client.

Residential Mortgage Loan Originators

TERRI KARR AND SIDNEY KARR – a dynamic mother/daughter duo bringing their clients the perfect mix of education, product knowledge, and generations of mortgage expertise. Their seamless process will make the home buying experience less complicated and overwhelming; delivering their clients a “World Class” mortgage experience on time and on budget EVERY TIME! Terri, a graduate of Baylor University with a BBA in accounting, has been in the real estate and real estate lending business for over a quarter of a century. To date, Terri has helped nearly 3000 clients with their mortgage on personal homes, vacation homes and investment properties. When not working on the perfect mortgage experience for their clients, Terri enjoys yoga and being an active member and foster for Lone Star Bulldog Club Rescue. In addition, she serves on the executive board of the Disciples Women of First Christian Church Rockwall where she also participates in the hand bell choir. Terri is recognized as a member of The Producer’s Council at Premier Nationwide Lending. She has also been featured in Texas Monthly Magazine as one of the Five Star Mortgage Professionals in the state of Texas. She was honored as one of the company’s Top Producing Loan Officers every year since 2012. Sidney graduated from Hardin-Simmons University in May of 2014. She decided to follow in her mother’s footsteps and pursue a career in the mortgage industry. She received her NMLS license shortly after graduating and has become quite a powerful part of the team with an in-depth knowledge of specialty programs and credit restoration. As an accomplished equestrian with over 14 World Championship titles, Sidney has a true passion for animals. When she is not helping the team provide an exceptional mortgage experience to their clients, she likes to spend her time with her pets which include a Great Dane, English Bulldog, and two cats. She also enjoys spending time cooking for her friends and family, as well as providing therapy services with her Great Dane. Sidney is a deacon of the First Christian Church in Rockwall where she also participates in the hand bell choir. Let our generations of Mortgage Experience serve your family for generations!

Loan Center


What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.


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