Eric Berke recommends Eric TeplyMortgage Advisor · NMLS #264561
When my buyers need financing, I send them to Eric Teply. He answers every question honestly, closes on time, and treats every client like family.
Honest Answers · Honest Loans
I refer my clients to Eric Teply because he removes the biggest risk in any transaction — the lender. With Eric, you compete like a cash buyer, close in as little as 15 days, and your earnest money is fully protected.
Eric explains every rate and term in plain language, so there are no surprises at closing.
A Sacramento-based advisor who has helped hundreds of families finance their homes.
Eric treats every loan as the start of an ongoing relationship, not a one-time transaction.
Sellers love cash offers for one reason: certainty. No lender conditions, no last-minute surprises, no delays. The uncomfortable truth is that lenders derail deals all the time — missed deadlines, surprise conditions, poor communication.
When I refer you to Eric, I'm putting my name behind the transaction. His financing gives sellers the same certainty they'd have with a cash buyer.
— Eric Berke
A veteran and former correctional officer who built his moral code through years of military and law enforcement service, Eric brings integrity, honesty, and a steady hand to the El Dorado, Placer, Folsom, and Sacramento markets. Since 2017 he's earned a place in the Sacramento Association of Realtors® Masters Club, and outside of real estate he's a devoted family man who specializes in serving fellow veterans, first responders, and retirees.
Eric has spent over a decade in the mortgage business, most of it right here in Sacramento, and he still treats every loan like it's the only one that matters. He's education-first by philosophy — walking clients through Conventional, FHA, VA, USDA, jumbo, and down-payment-assistance options in plain language so nothing feels like fine print. Eric sees each closing as the start of a relationship, not the end of a transaction, which is why so many of his clients come back for their next home loans and send their friends and family his way.
Gathering these ahead of time keeps Eric's underwriting process fast and painless.
Current, consecutive paystubs covering the most recent 30 days of income.
W-2 forms from each employer for the past two years.
All pages, for the specific account(s) that will be used toward the purchase.
Complete, signed federal returns for the past two years.
Other documents may be requested after a discovery call, depending on your specific loan scenario.
Get preapproved, book a call, or apply online — whenever works for you.