Tracy Geer
Senior Loan Officer | NMLS # 454646
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have se... Show More
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Reviews from Web
We appreciated Tracy's commitment to helping us finance our new home. She used her knowledge and expertise to help us with the best options for our needs. Thank you so much, Tracy!
Tracy was so easy to work with. She answered all our questions in a way we could understand. She was awesome!
Reply from Tracy Geer
November 9th, 2026 04:57 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
Very good at response to questions . Always very quick to get back with you at anytime.
Reply from Tracy Geer
November 9th, 2026 03:43 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
Tracy was very organized and helpful through the whole process. It was such a good experience that we sent the buyer of the home we are selling to her.
Reply from Tracy Geer
October 22nd, 2026 08:42 PM
Thank you for taking the time to share your experience. If I can be of further assistance to you, or your family and friends, please let me know.
Tracy was always available to answer any questions or concerns. An all-around rockstar, she even answered phone calls on Sunday nights. Very knowledgeable and super kind/
Reply from Tracy Geer
October 12th, 2026 07:48 PM
Thank you for the wonderful review! Making customers happy is our top priority, and I’m thrilled that we succeeded with you. I hope your enjoy your new home!
Working with Tracy was an excellent experience from start to finish. She made the mortgage process smooth, stress-free, and easy to understand. Tracy was always responsive, professional, and willing to answer any questions I had along the way....
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Reply from Tracy Geer
October 6th, 2026 04:02 PM
Thank you for your great review! I’m delighted to hear that you had such a positive experience with us. Your satisfaction is our ultimate reward, and we can't wait to provide you with exceptional service again in the future.
This is our second time working with Tracy on a purchase of a home. Highly recommend her and would work with her again. we appreciate her communication and availabilit.
Reply from Tracy Geer
September 29th, 2026 02:39 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Good communication and organized. Pleasant to work with.
Reply from Tracy Geer
September 15th, 2026 07:32 PM
Thank you so much for the great review and feedback. I hope you get settled quickly and enjoy your new home.
Tracy was wonderful. She responded to all my questions and walked me through all aspects of the loan application and closing. I enjoyed working with her!
Reply from Tracy Geer
September 7th, 2026 08:52 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Tracy was so great to work with! I am so glad my agent recommended her and I absolutely would recommend her to my friends and will use her again she was so helpful and made things easier to understand!
Reply from Tracy Geer
August 26th, 2026 04:11 PM
I’m delighted to receive your positive feedback! We strive to provide exceptional service, and your review encourages us to keep up the good work. Thank you!
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About
We’re a full service mortgage lender with an experienced staff offering mortgage loans for everyone – whether you are buying your first home, refinancing to lower your payments, or building a home from the ground up.
Since 1867, we have served the lending needs of our community with integrity and a dedication to excellence.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
USDA Loans
Qualified Mortgage Pre-Approvals
Specialities
Conventional Loans, FHA Loans, VA home loans, First Time Homebuyer loans, Refinance Loans, Construction Loans, Renovation Loans
Conventional
Jumbo
FHA & VA
USDA Rural Housing
Construction & Renovation Loans
Second Home & Investment Properties
Refinance Solutions
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Positions
- First State Bank Mortgage - Senior Loan OfficerSep 28th, 2016 - Current
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 454646
Disclaimer
First State Bank Mortgage, A Division of First State Bank of St. Charles, MO. NMLS #416668. Equal Housing Lender. Headquarters: 2850 West Clay Street, St. Charles, MO 63301 Not a commitment to lend. For licensing information, go to: www.nmlsconsumeraccess.org