Terri Waring’s career arc at Freedom Mortgage not only mirrors the evolution of the company, but highlights her role as a key contributor to its growth.

Since joining the Freedom in 1993, Waring has demonstrated a preternatural understanding of credit trends and has successfully steered the ship through a variety of housing markets. Waring’s role as chief credit officer requires her to oversee the credit quality of loans closed by Freedom Mortgage, while also ensuring that the underwriting demands of Freedom’s customers are met. Waring’s underwriting staff oversaw over $50 billion in production last year, while her credit staff ensured that the company maintained the highest levels of quality. Waring is always looking toward the continued growth of the credit department, both developing leadership from within as well as spearheading the Underwriting First Flyer Program, which provides opportunities for college graduates who are looking to begin a career in underwriting by following a curriculum developed by one of the strongest credit leaders in the industry.

“It may sound simple, but I think the secret to success is having the determination to be the best you can be, and then striving to be better! To do that you must have the ability to embrace the challenges you are faced with and be tenacious in order to overcome them.”