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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Gerry kept me informed every step of the process. He is always willing to answer all my questions and concerns. I expressed my limit as far as loan payment I am willing to pay. He explored all loan types for me. He explained thoroughly the...
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Reply from Gerry Phillips
June 8th, 2025 10:53 PM
So nice of you, Amy... thank you!
You were stellar throughout the entire process and were always pleasant to speak with.
I am so happy regarding the very good buy and I pray for only awesome days ahead for you!
Gerry is always there when you need him. And he always has the correct answers. His regular communication made me feel comfortable and appreciated. Gerry is the top of the line. Best experience I ever had in banking. Thank you so much.
Reply from Gerry Phillips
June 7th, 2025 02:48 PM
Thank you SO much, Brian. You were TERRIFIC through the entire process... always ready & willing to get the next step done. My only regret is not being able to meet you face-to-face. I am sure you will be very happy in your new Illinois home!...
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Gerry and Toni both are excellent communicators and we never felt left in the dark. They both stayed on top of things making this one of the easiest home buys we have ever had.
Reply from Gerry Phillips
June 6th, 2025 03:20 PM
That is SO kind of you... thanks! You & Cheryl were always on point and responsive the entire process. You were a true delight to work with!
Gerry explained details on the ins/outs for each part of the process and was very detailed in what was needed making the transaction smooth.
Reply from Gerry Phillips
June 4th, 2025 12:50 AM
You did a GREAT job, Anastasia.... I really enjoyed working with you!
Gerry is both professional and personable. He went above and beyond to help me through this process. Toni was amazing at double checking everything.
Reply from Gerry Phillips
June 2nd, 2025 05:25 PM
Julie... you and Fate are good friends and were delightful to work with.
I wish you the best in all you guys do.
You have a wonderful family and I'm so happy to knwo and be associated with you all!
Gerry was easy to work with prompt to repsond and understood everythign that we wanted to do and needed to have in place to get things completed. He was a huge help and a wealth of knowledge on every question we had even if it didnt directly...
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Reply from Gerry Phillips
May 21st, 2025 08:09 PM
Thanks, Chris... you and Angela were absolutely golden & a delight to work with.
The knowledge that Gerry has and his guidance throughout the whole process
Reply from Gerry Phillips
April 7th, 2025 02:15 AM
Cynthia... you and Brandon were so GREAT to work with. It was my pleasure & privledge to work with you both!
He was always willing to answer our questions. He found time for us, and made sure that we got the an excellant loan and interest rate. We wouldn't of been able to get the house of our dreams without Gerry!
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Reply from Gerry Phillips
March 16th, 2025 08:11 PM
Blake... You & Sydney have a terrific application and were a breeze to work with. You worked through the home buying process like CHAMPS! Hope you enjoyed your closing gifts I gave to your Mother-In-Law to deliver to you... sure hope she didn't...
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Gerry did an awesome job making sure that everything we needed was there for closing. The entire time he looked out for what was best for the client, and due to that, my husband and I trusted Anything he suggested ! couldn't suggest anyone...
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Reply from Gerry Phillips
March 16th, 2025 08:12 PM
Sydney...You & Blake were such a delight to work with.You just rolled on in cruise control and tackled the homebuying process with ease.... a very nice job!!Hope your mother didn't eat the cookies that were in your closing gift bag!! LOL
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People still have to maintain there jobs through this process and dont need to receive emails from the home office of the bank every 10 minutes with list they need to accomplish immeadiately
Reply from Gerry Phillips
March 14th, 2025 03:03 AM
Hi Michael,I appreciate your feedback and understand how overwhelming it can be to receive constant emails with immediate tasks. At First State Bank of St. Charles, we're actively working on improving our communication process to ensure it...
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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