Five stars being the most you can give, I give Terri five stars in all areas listed above. Terri is also GOOD PEOPLE. She keeps her word and will go out of her way to help you. She is highly energetic and self motivated. She will do her best for you (her best is exceptionally good) and you will enjoy working with her. I was living in a hotels waiting for escrow to close, due to the escrow company missing a promised closing date, which caused hardship for me, Terri negotiated a deal with them which awarded me a free escrow. It has been two years since Terri helped me buy my home, I still call her for information about references on local businesses and legal questions regarding my property.