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Gil Berko

Gil Berko

Loan Officer

605 South Chandler Village Dr, Chandler, AZ 85226
Own what matters
Own what matters

About Me

Gil Berko is a Mortgage Loan Officer serving Arizona. Gil has over 25 years in the Aerospace & Defense sector as a sales leader and program manager. The demanding and high standards expected and necessary for such critical customers is what Gil brings into the residential lending world. Gil’s core principle is to serve at the highest level.

Whether you are a first-time homebuyer, refinancing or buying your third investment property, Gil will guide you through the loan process seamlessly by providing high quality and ongoing communication and advice. Gil can provide a wide range of home loan options that makes the most sense for your specific needs and situation.

Gil Berko offers Conventional, FHA, VA, USDA, and down payment assistance loans servicing all of Arizona.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.



A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.


If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.


5.0 out of 5.0 stars
Jim B
Feb 23, 2024

Robb kept us informed as we went through each step of the process. He even came up with suggestions that gave us the best scenario that suited our needs. Thanks to him everything went off without a hitch. We would absolutely recommend that anyone who was looking for a loan contact Robb and let him work his magic. Thanks Robb!
Sarah R
Feb 17, 2024

Adrian Gonzalez at Academy was very honest and communicative throughout the entire process. He helped us consistently and he was always clear on what was needed to proceed. I've already recommended Adrian and Academy Mortgage to all of my friends in the area because this was the smoothest homebuying process we've been through!
Dustin C
Feb 13, 2024

Tony was awesome! Helped us through the whole process every step of the way. Would definitely recommend working with him if you’re looking to purchase a home. He’ll get you the best rates.
Chandler P
Jan 29, 2024

I always appreciated Jeff's communication. He was very clear and honest in responding to our questions. I was especially impressed with his loan option breakdown via email. The visuals made a massive and scary decision feel easier.
Andrew G
Jan 27, 2024

I had the pleasure with working with Connor since the middle of last year. He was incredibly responsive, thorough, patient, and timely with me in getting a loan secured for my home. I very much appreciate everything he's done for me, and he will definitely be my go-to for the next house that I purchase. Thanks again, Connor!
Greg your AZ R
Jan 18, 2024

Connor is a competent, hard working loan officer who is not afraid of challenges who will provide all the necessary support for his clients to achieve their dreams of homeownership.

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Causes I'm
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NMLS ID #2521992
I am authorized to do business in the state of Arizona. AZ BK#0018883; AZ BKBR# 1050942; AZ LO Lic.# 1049099;