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Home State Bank
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Eric Dowd, Mortgage Banker

Mortgage Banker · NMLS 631475

Eric Dowd

With Home State Bank since 2006, Eric specializes in the portfolio products that let the bank say yes when a national guideline can't.

Apply with Eric815-790-1340Email

Specialties

  • Portfolio
  • Purchase
  • Refinance
  • Bridge

How it works with Eric

  1. 1

    Start online with Eric's application or call 815-790-1340. Fifteen minutes, no credit impact.

  2. 2

    Get a pre-approval, usually the same day, that sellers and Realtors around here recognize.

  3. 3

    Processing, underwriting, and closing all happen in our own building. Your loan officer walks the file, not a queue.

Eric Dowd, Mortgage Banker, Home State Bank, N.A. NMLS 631475. Company NMLS 478452. Member FDIC. Equal Housing Lender.

Reach Eric

Ask a question, or ask for a call back.

Your information is never sold. Submitting this form does not pull your credit and is not a loan application. Message and data rates may apply if you opt into texts.

Client reviews

What Eric's clients say.

4.89

108 verified reviews

Collected by Experience.com
  • “ALWAY THERE WHEN I NEEDED HELP , ADVICE, SUPPORT ERIC WAS A GREAT HELP IN OUR NEW HOME PURCHASE THANKS”

    Michael D K · Hartford, WI · Apr 2024

  • “Eric worked very hard for us to get our mortgage. Through all of it he was available any time I needed him. His customer service was excellent and I am happy to work with him again in the future!”

    Nathaniel H Z · Winthrop Harbor, IL · Mar 2024

  • “I can't say enough about the great job that Erik Dowed and his amazing loan processor Jenelle Gilman and of course the banking staff at Home State Bank ,they all are a great team which made this possible and all done in remarkable Time thanks Erik and team !!”

    Richard R U · Wonder Lake, IL · Aug 2023

  • “People were helpful, kind, and knowledgeable. Things went pretty smooth.”

    Kellie A R · McHenry, IL · Oct 2022

  • “Process was much faster and more streamlined than on our first purchase.”

    Rufaro S · Carpentersville, IL · Aug 2022

  • “Eric is straightforward and easy to work with.”

    Russell L A · Mchenry, IL · Jul 2022

  • “Very responsive. Answered every question. Kept us informed throughout the entire process”

    Michael J R · Woodstock, IL · Jun 2022

  • “Eric did a gtreat job. I asked him a lot of questions & he answered all them for me.”

    Jane D B · Mchenry, IL · May 2022

Reviews are submitted by verified Home State Bank clients through Experience.com after closing and are shown as written. This page shows a selection of recent reviews rated 4.5 stars or higher. The overall rating and review count reflect every review on file, and the full set, including lower ratings, is on the Experience.com profile linked above.

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Next step

Ready? Eric is one call away.

Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.

Apply now815-459-2000Choose a loan officer