Erik Gascho, Mortgage Advisor

Straightforward mortgage guidance for buyers and homeowners in Clarkston, Michigan, with a clear plan from start to finish.

Schedule your dreams & goals call


Erik Gascho

Mortgage Advisor | CMA | CLA | NMLS# 2043975

Meet your friendly and experienced Mortgage Loan Originator at NEO Home Loans. With many years of expertise in the mortgage industry, there is a passion for turning the dream of owning a home into a reality. Understanding that finding the perfect rate, terms, and conditions for your home loan is crucial, there's a commitment to making it happen.


Whether you're a first-time buyer or looking to refinance your current home, you'll find guidance in various options, including Conforming, VA, FHA loans, and more. You can rest assured that you'll be steered towards the best solution for your financial situation.


Contact Me

About Erik

In the mortgage business since: 2020

Designations: CMA, CLA (Certified Liability Advisor)

Licensed in: All 50 states | NMLS #2043975

Based in: Clarkston, Michigan

Outside the office: Golf, fishing and family

Bald man with gray beard smiles, wearing a light-colored sweater over a collared shirt.

The NEO Experience

Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.

Learn More

  • Annual Financial Reviews

    Ensure your family's well-being by strategically planning for the future. Continuously receive expert advice and guidance to skillfully manage your real estate and financial matters.

  • Home Concierge Service

    Let our team assist you in maintaining your home's excellent condition and boosting its value as years go by.

  • Monthly Real Estate Wealth Digest

    Gain comprehensive insight into your real estate wealth and explore the array of options available to you. Plus, delight in observing the progress as it appreciably shifts each month!

  • The Perfect Mortgage Promise

    As your life's chapters unfold and transform, your mortgage management strategy should adapt accordingly. Our team is here to help you navigate these changes, ensuring your mortgage aligns with your evolving needs.

  • Maximize Wealth Through Real Estate

    Leverage the full potential of your current real estate holdings to ensure that your property is yielding its maximum benefits.

  • Relocation Services

    Discover the benefits of our NO COST renovation financing, designed to amplify the profits from your home sale. In addition, our advanced technology streamlines your transition into your new residence with ease.

OUR PROCESS

Step 1: Discovery. Text explains the need to understand finances and goals before prescribing a mortgage strategy.
Step 2: Strategy. Text describing mortgage options analysis, focusing on cost, prosperity, and a Total Cost Analysis.
Step 3: Execution, text with blue header and gear icon. Text describes closing loans efficiently.
Step 4: Wealth Maximization. Text explaining managing mortgage & maximizing wealth after a home purchase. Blue & white.
Supporting Tools
See the numbers
most lenders never show you.
📅 What Happens If You Wait?
See the real cost of delaying your purchase by 6–12 months.
Rent paid while waiting —
Est. home price appreciation —
Equity you'd have built —
Net cost of waiting —
Waiting has a cost. Let's make sure you understand it before you decide.
📊 The Part Most Lenders Never Show You
Compare lowest rate vs. best long-term outcome — they're not always the same.
Option A — Lowest Rate
Monthly Payment
—
Total Interest (30yr)
—
Flexibility
—
Option B — Best Outcome
Monthly Payment
—
Total Interest (30yr)
—
Breakeven Point
—
Three financial web modules: home value trend, savings calculator, and benefits of financial planning.

Stay informed about the value of your home!


Our monthly report offers an intuitive financial dashboard, tailored to enhance your wealth-building journey with your most significant asset: your home.


We are committed to ensuring you always have a clear and accurate understanding of your home's value and its impact on your family's financial wellbeing.

GET YOUR HOME REPORT NOW

What Clients Say

4.99 out of 5 from 110 reviews on Experience.com

★★★★★ 5.0

Erik at NEO Home Loans is wonderful to work with. He takes the time to thoroughly explain every option and gives honest, thoughtful advice without ever making you feel like you’re being sold something. He’s knowledgeable, responsive, and great at communicating throughout the entire process. I recommend Erik to anyone looking for a lender they can genuinely trust!

— Miranda D

August 26, 2026

★★★★★ 5.0

Erik was so wonderful to work with. He was so fast with the whole transaction and even communicated with the listing agent as well. He helped me with some appraisal questions and most importantly he took excellent care of my client. As a realtor, it’s important to have a great lender who communicates well and provides excellent service. I highly recommend Erik for all of your mortgage needs.

— Amanda D

August 26, 2026

★★★★★ 5.0

Very efficient!

— Connor S, Grand Blanc, MI

August 25, 2026

★★★★★ 5.0

Erik is professional, responsive, and very knowledgeable. I had a great experience chatting with him about what makes sense for my family and I regarding a mortgage.

— Dogger L

August 17, 2026

★★★★★ 5.0

Very fast service, straightforward advice, and prompt responses in a very stressful situation.

— Renee F, National City, MI

August 11, 2026

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