I will be your family and friends mortgage advisor for life.


Eric Dowd joined Home State Bank in 2006 and has more than 20 years of experience as a Mortgage Banker. Eric grew up and resides in McHenry County and is very connected to the community.

Eric understands that home financing can be intimidating. He strives to make the process straight forward, uncomplicated, and stress free. Because of his extensive experience in this industry, he ensures a smooth process from application to close.

Eric’s experience and Home State’s variety of mortgage products will help you achieve your goals. Whether you are a first-time homebuyer, refinancing a primary residence, purchasing a vacation home, or a seasoned investor, Eric can help – he can write mortgages in all fifty states!

Eric can provide you with a wide variety of mortgage products from Conventional, FHA, VA to loans with down payment assistance. Need a mortgage outside of the box (self-employed, rental income)? Eric and Home State have Portfolio mortgages. Eric is committed to guiding and achieving your homeownership goals.

Eric values his customers. His business has grown from customer satisfaction as they have referred their friends and family. Eric provides knowledgeable and consistent residential lending expertise!

Contact Eric today for all of your mortgage needs!

You're in Good Hands ...

Since 1915, Home State Bank has established a strong reputation with individual consumers, real estate professionals, and homebuilders.

You can be confident that your chosen mortgage consultant will guide and advise you on which product would best suit your unique home financing needs. We will provide loan status reports so that you are informed throughout the lending process.

Our online capabilities provide you with many conveniences that extend beyond normal business hours, however, we pride ourselves on establishing long-term relationships that are best formed through face-to-face interactions.

NMLS Institution ID N0. 478452

Your Trusted Mortgage Expert

  • Home State did a great job of assisting us on the finance end of our search for a new home. Once the offer was made and the ball was rolling all staff contacts with Home State Bank were pleasant, professional, and timely. Would highly recommend them.
  • Working with Home State was easy. Very knowledgeable and explained every step taken on the way to purchasing our new home. I would highly recommend working with them.
  • My wife and I just completed a re-finance on our second home in Florida. Home State was awesome to work with, which did not surprise us since we have handled several mortgages for us in the past at HSB, always with great enthusiasm, professionalism, and communication. Excellence in action.

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