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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Tracy was always responsive and helpful! We appreciated her guidance during our first homebuying experience.
Being a first-time homebuyer still trying to learn the ropes, Tracy was on top of answering any questions we had and getting estimates for homes we were interested in. She always made sure to keep our needs met during this stressful process....
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Tracy was available and very quick with responses. Fantastic to work with!
Reply from Tracy Geer
August 12th, 2026 02:31 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. It means a lot to our team to know that our efforts are appreciated. Thank you for the kind words, and we hope to see you again soon.
Tracy never stops working. She worked with me step by step through the entire loan process. Tracy returns my calls, even if it was late into the evening. This is the second home loan she's helped me with. Tracy has also helped two of my children...
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Reply from Tracy Geer
August 10th, 2026 02:32 PM
I really appreciate the feedback and look forward to working with you again.
Tracy is amazing to work with and great communicatio. she gets information back to you quickly and accurat.
Reply from Tracy Geer
August 4th, 2026 06:16 PM
I’m grateful for your kind words! It's wonderful to know that you had a terrific experience with us. Our team strives to deliver excellence, and your feedback motivates us to continue doing what we love.
Tracy was incredibly helpful and kept us up to speed with everything that was going on. She always made sure all our questions were answered and was amazing! We loved our experience with her!
Reply from Tracy Geer
August 3rd, 2026 08:28 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!
Tracy was very good at communicating what she needed and what would be best for us. This is the second time we have used her as a loan officer and she has been great both times. She also keeps me updated on rates even after we close.
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Reply from Tracy Geer
July 30th, 2026 04:08 PM
Thanks for the great feedback. I hope you enjoy your new home!
Every aspect from first phone call, to applying for mortgage, ability to do everything online to approval and closing was absolutely stellar. I have had several mortgages in my life and this was BY FAR the easiest. Tracy excels at communicating,...
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Reply from Tracy Geer
July 30th, 2026 06:51 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Tracy is extremely patient and helpful with all of our questions and concerns. She made everything very comfortable and easy for us. This was our second time working with her and she was great!
Reply from Tracy Geer
July 29th, 2026 02:16 PM
Your positive review made my day! I’m thrilled that you had a great experience with us. Providing exceptional experiences for our customers is what we strive for, and your feedback motivates us to keep pushing forward.
Tracy was so easy to work with. She knew exactly how to help me and answer all my questions. I trusted her with a big step in owning a home and she was the best. She communicated every step with me and made sure that I understood everything....
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Reply from Tracy Geer
July 29th, 2026 02:10 PM
Thank you for your kind words! It's encouraging to know that we exceeded your expectations. Our team works hard to ensure every customer feels valued, and your review reassures us that we're on the right track.
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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