Gerry Phillips
Senior Loan Officer | NMLS #505678
Gerry Phillips has been in banking since 1986 and focused solely on residential mortgages since 2000. He’s experienced with VA, FHA, JUMBO, USDA, and more, helping clients understand credit, income, and asset qualifications. From first-time... Show More
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In my 51+ years as a Realtor, few Mortgage Bankers have been as accessible and performed as well as Mr. Phillips
Gerry Phillips has always been attentive and professional with all my Buyers.
I have done several deals with Gerry Phillips, he always provided me with accurate information in a timely manner, sometimes even working very late at night to make sure my questions were answered. In a world where lenders paint by number and...
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The absolute worst lender I have worked with in all 92 of the deals I have done since 2015 when I became a real estate agent. Did a VERY POOR QUALITY pre-approval. Apparently did not get good information on work history or current job status...
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Reply from Gerry Phillips
July 1st, 2024 06:20 PM
The key to all real estate transactions is setting proper expectations. More than 2 weeks before closing, I alerted everyone to the fact an closing date extension was necessary due to underwriting requirements on the file. This was a USDA manual...
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Gerry was very helpful in the process. This was my first experience with refinancing. Gerry was willing to answer any question I had. He was quick to respond and welcomed my call or email anytime throughout the process. I trusted his guidance...
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Gerry was a great help in getting my mortgage completed. H answered all of my questions and kept me informed on the progress.
Gerry is very personalable and kept me informed throughout this transaction
Gerry was PHENOMENAL during the process of purchasing my first home. My credit was in rough shape, but Gerry talked me through my options without making me feel worse about my situation. He explained everything to me in great detail, was extremely...
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Always helpful and great about keeping everyone up to date.
Got the deal done despite the complications of my circumstances.
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About
Gerry Phillips has been in banking since 1986 and focused solely on residential mortgages since 2000. He’s experienced with VA, FHA, JUMBO, USDA, and more, helping clients understand credit, income, and asset qualifications. From first-time buyers to self-employed borrowers, Gerry offers expert guidance, second home financing, and exceptional service from start to finish. Known for being accessible and responsive—even on weekends—Gerry is your trusted local loan officer, ready to answer questions and help anytime.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
First-Time Homebuyer Grants
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Memberships
- Lake Area Chamber of Commerce
- Lake West Chamber of Commerce
- Camdenton Area Chamber of Commerce
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1986
Time Zone
Central Standard Time (CST)
Licenses
- NMLS # 505678
Awards
Hobbies
- The Church at Osage Hills
- Rotary
- Charity
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Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301. This is not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org