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Eric Gerber

Regional Vice President

NMLS ID 962595
Purchase Refinance

About Eric

Eric has been in the mortgage game for over 15 years and has been a top performer in the industry the majority of his career – so, needless to say, he’s an all-star. Before he was in the field of home loans, he was a college athlete earning his Bachelor of Science in Economics from Oregon State University. These days you can find him bringing his team mentality and winning spirit to you and your homebuying process from Homeside Financial. He’s supported by his daughters Bella (16) & Fiona (4), and son Fitz (2). 

Contact Details

6375 Riverside Drive , #210
Dublin, OH 43017

egerber@homeside.com

(614) 260-1517

I am licensed in Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Louisiana.

  • Since 2015, Eric Gerber has closed several of my personal property purchases & refinances and more importantly, hundreds of mortgage loans & refinances for my real estate clients. His professionalism and dedication to his clients is unparalleled and he works tirelessly to ensure that the process is as smooth as possible and that all parties are well-informed. I've recommended Eric to family, friends and colleagues and he always comes through with great advice, impeccable service and and on time closings. I can't speak highly enough about Eric and how much he stands out as an ALL-STAR in the mortgage and lending industry. He's as good as they come! -Justin J.
  • The folks on Eric Scott Gerber's team did a great job meeting our expedited closing timeline and still offered a competitive rate. I was hesitant to work with an online-only company, but they came highly recommended and exceed my expectations for communication and professionalism. -David L.
  • Eric was available nights and weekend when I needed help with questions. We had to close really fast and being self-employed I was worried the process was going to be terrible. I am so glad I worked with him! We closed on time and he mapped things out for me start to finish making me feel like he really cared. I highly recommend his services! -Rose B.

Homeowner Benefits

  1. Shelter and Security – Beyond fulfilling the basic need of shelter, owning your home provides added security that your shelter is in your control.
  2. Building Equity – Growing your equity increases your borrowing and purchasing power, building your future financial resources.
  3. Tax Benefits – Mortgage interest and property taxes are deductible! Dependent on your circumstances, additional tax breaks may be available as well.
  4. Good Long-Term Investment – Rather than paying for the use of someone else’s property, you are able to invest in your own with a high likelihood of profitability in the future.
  5. Creative Freedom – Homeownership comes with the added benefit of being able to make decisions about permanent changes to your home that renting does not. That pink door you’ve always wanted or that ultimate deck set-up you’ve been dreaming of can be yours.

For benefits specific to you, reach out to your loan officer today!

Dos & Don'ts of Home Buying

Avoid some of the most common pitfalls of the mortgage process. Here are a few tips to ensure a speedy process and smooth closing.

DO

  • Get preapproved. We don’t want you to fall in love with a house that’s out of your budget.
  • Inform us of any financial or employment changes.
  • Continue to pay your rent, mortgage and all monthly payments on time.
  • Maintain your current employment and income.
  • Keep a paper trail of important documents such as W2’s, tax returns, paystubs etc.
  • ASK QUESTIONS! We’re here to help and will never be too busy to respond to you.

DON’T

  • Go house shopping without knowing what you can afford.
  • Change or quit your current job.
  • Make major purchases such as furniture, new cars, boat, etc.
  • Make large cash deposits in your bank account other than your paycheck.
  • Plan a vacation during your loan process.
  • Apply for, pay off, max out or close any credit card accounts.

Mortgage Application Checklist

Ready to get started? Below is a list of documentation we’ll need to get started processing your loan.

-Two most recent and complete tax returns
-Two most recent W2s*
-Two most recent pay stubs
-Two most recent and complete bank statements
-A copy of your photo ID

*Self employed borrowers may need to provide additional documentation

Mortgage Acronyms

ARM: Adjustable-Rate Mortgage
CD: Closing Disclosure
CLTV: Combined Loan-to-Value
DTI: Debt-to-Income
DU: Desktop Underwriter
EMD: Ernest Money Deposit
HELOC: Home Equity Line of Credit
LE: Loan Estimate
LTV: Loan-to-Value
MIP: Mortgage Insurance Premium
PMI: Private Mortgage Insurance