The Karr Team

NMLS# 230983

Terri and Sidney Karr

This dynamic mother and daughter duo bring their clients the perfect mix of education, product knowledge and generations of mortgage expertise. Their seamless process will make the home buying or refinance process less complicated. Terri repeats daily – “Delivering our clients a World Class mortgage experience on time and on budget EVERYTIME is our service standard. “

Terri, a graduate of Baylor University with a BBA in accounting, has been in the real estate and mortgage lending business for over 30 years. To date, she has helped over 3000 clients with their mortgages on personal homes, second homes and investment properties. Her accounting background gives her an additional layer of expertise with complicated tax returns for self-employed borrowers. When not working to deliver the perfect mortgage experience for her clients, Terri enjoys yoga, showing world class performance horses and playing in the handbell choir at her church. She is a multiple World Champion equestrian and an active member of the First Christian Church of Rockwall for nearly 30 years. Professionally, she has been a recognized top producer in the industry for several decades. She has also been featured in Texas Monthly magazine as one of the Five Star Mortgage Professionals in the State of Texas.

Sidney graduated from Hardin Simmons University where she played collegiate basketball. After completing her education, she decided to follow in her Mother and Grandmother’s footsteps and pursue a career in the mortgage industry. After many years of hard work and dedication, she is a powerful part of the team with an in-depth knowledge of specialty programs and credit restoration. Sidney brings an immense amount of charisma and energy to the team and works tenaciously to help our clients start the process and overcome any hurdles or concerns quickly and efficiently. Her upfront work sets the stage for a seamless process for all our borrowers. As a third- generation mortgage banker, she knows what it takes to provide a superior client experience.

Sidney has a true passion for animals and when she is not helping the team provide an exceptional mortgage experience, she likes spending time with Chief – her Great Dane. He is a licensed therapy canine registered with the Love On A Leash organization. Chief and Sidney visit the local libraries where children read to Chief in a “judgement free zone”. They also visit local nursing homes for therapy with dementia patients.

Sidney’s other passion is showing horses and she is a third- generation equestrian with over 15 World Titles. She has been involved in the horse industry her entire life and has been blessed with many awards and friendships over the years.

As a lifelong member of the First Christian Church in Rockwall, Sidney is active in the bell choir as well.

Our Mission Statement

We are a progressive team of mortgage professionals dedicated to providing our clients a world class mortgage experience on time and on budget EVERYTIME.

The Family Motto


Meet The Karr Team

Dusty Jandrew | Set Up Expert | RMLO NMLS 319614

With over 10 years of mortgage origination and processing experience, Dusty collects all the upfront information and documentation from the borrower and the realtors that will be necessary to set up your mortgage file and prepare it for processing. Her extensive knowledge of underwriting guidelines for all loan types will insure that you are set up for a WORLD CLASS mortgage experience. She will carefully review all information provided and try to address any issues and concerns before moving the file into processing. You will receive an e-mail from Dusty when your file is substantially complete and moved into the processing phase of the process. Please note that the services on your file (i.e. appraisals, surveys and title work) will not be ordered until your file reaches the processing milestone.

Amanda Nichols | Team Lead | RMLO NMLS 1243932

With a BBA in accounting and an amazing eye for detail, Amanda will be your very capable contract to close concierge and the liaison between processing, underwriting and closing during the process. She will complete a second level review of your file before submitting it to processing and she will be your center point of communication throughout the process. A staple of our team’s communication is THE TUESDAY UPDATE – we take a static picture of the files progress and communicate via email and telephone to all parties. Please look for a TUESDAY UPDATE e-mail from Amanda every Tuesday morning after your file is moved into processing. You can also expect a follow up phone call from Terri or Sidney between 3:30-5:00pm every Tuesday.

Amanda will additionally communicate when the underwriter has requested any additional information, the appraisal has been completed and she will provide final closing figures and instructions for closing day. She is keenly aware of time frames and contractual closing dates so please respond to her expeditiously so that she can insure all deadlines are met. The mortgage process is a series of deadlines and wait times – some are federal mandates, and some are just inherent to the process. Our systems relieve you of any stress in trying to keep up with these timeframes.

Our Mission Is A Better Mortgage Experience

LeaderOne’s mission and commitment to you is dedicated to facilitating the dream of homeownership by providing you with Five-Star Service.

We believe in earning your trust by communicating to you the information you need to know, when you need to know it and by offering the right mortgage for your unique financial picture at a competitive and fair price.

Who Is LeaderOne Financial?

LeaderOne Financial Corporation is a revolution in mortgage banking. We are committed to our values of Service, Empowerment, and Accountability.

Our ownership model combines the best of both worlds; a commitment to individual empowerment with the backing of a solid, experienced, and committed team. Our customer experience is a function of our employee experience. Together, we truly can achieve more. Our belief in employee engagement doesn’t have a finish line.

A Culture Of Service, Accountability And Empowerment

We treat our customers with the same courtesy, professionalism and support with which we treat each other.


  • Service begins with how we interact internally
  • We seek out ways to make each other look good
  • We give each other the benefit of the doubt
  • We show our appreciation


  • We are all leaders
  • Everyone on the team is a ‘decision-maker’
  • We are not afraid of failure, we are concerned about inaction
  • We are proactive – we Fail Forward
  • We seek out feedback and ideas
  • We ask what we can do to help
  • We are committed to employee development
  • At the end of the day, we all have the same job description


  • We hold each other accountable for positivity
  • We look for ways to do more with less
  • We own our mistakes, and learn from them
  • It’s nobody’s fault, and it’s everyone’s responsibility

Over 5,000 Positive Client Reviews

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Contact The Karr Team 972-989-4329 Apply Online