About Rick Gerkman

Rick entered the mortgage industry in 1999 as a loan officer, and has been with Directors Mortgage for the past 17 years. After purchasing his first home in 1988, Rick quickly discovered the numerous benefits of owning real estate. As one of the original employees, Director’s Mortgage was a natural fit for Rick. Rick has always had a passion for helping others, and as a loan officer, he has the unique opportunity to help others achieve their own dreams of homeownership!

Born and raised in Oregon City, Rick has lived in Oregon his entire life. Rick is a proud father of two boys and one dog, Lily Bean. You may have seen Rick on the field or court as he has coached over 50 teams in basketball and baseball in Tigard. When not working or coaching, Rick can be found spending time with his lovely wife, their french bulldog, and friends, cooking, golfing, hiking and spending time outdoors.

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The 20% Myth: Understanding Down Payments

Most would-be homeowners believe that it’s necessary to pay 20% up front as a down payment when you purchase a home. This would be a major hurdle to homeownership for most people, but the good news is that it isn’t always true. Learn more about the 20% myth so you can better plan to buy…

The Homebuying Process from Beginning to End

Buying a home is the most significant investment most of us will make in our lifetimes. Given this, it may not come as a surprise that the process involved with becoming a homeowner is much more complicated than the everyday purchases we make at the grocery store or even the car dealership. If you’ve never…

What Does a Rate Cut Mean for Mortgages? How to Interpret News Stories About Interest

The Federal Reserve often responds to major economic events by raising or lowering interest rates. While these moves have a big impact on the economy as a whole, they have a different impact on consumers than they do on financial institutions. Learn more about how to interpret interest-focused news stories with this guide. Financial News…

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