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 is the best! I'm secure and comfortable working with her and that brings me back every time we buy a new home or refi!
Reply from Tracy Geer
April 13th, 2026 02:51 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.
Tracy and team were knowledgeable, friendly and made the entire process painless. I am recommending this team to my famiky family for their fut home buting needs.
Reply from Tracy Geer
March 31st, 2026 08:52 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 So understanding with me. She answered every question sometimes twice cause I didn't get it the first time. Thank you so much for all the care and things you took care of to get me into my new home.
Reply from Tracy Geer
March 27th, 2026 02:03 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Tracy and her team were great. We couldn't ask for a better loan officer. Her work is very much appreciated and we are very thankful that we got to experience a smooth and informed process. If given the opportunity we would definitely recommend...
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Reply from Tracy Geer
March 25th, 2026 06:57 PM
Thank you! It was a pleasure to work with you, and I hope you enjoy your new home for years to come!
Tracy would communicate via e-mail, phone or text. She would call to communicate whatever time we had questions.
Reply from Tracy Geer
March 23rd, 2026 03:48 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.
Everyone was great from start to finish. Thank you all.
Reply from Tracy Geer
March 18th, 2026 02:10 PM
Thank you for the opportunity to help with your loan. I wish you many years of happiness in your new home.
Tracy was absolutely amazing throughout the entire process. She was available to answer my questions at any hour I called and made the home approval process seamless.I will certainly refer Tracy to any family members or friends in the future....
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Reply from Tracy Geer
March 16th, 2026 08:38 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 consistently pleasant, professional, knowledgeable, willing to answer questions and was very responsive.
Reply from Tracy Geer
March 12th, 2026 03:24 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.
She was always available and answered all of our questions.
Reply from Tracy Geer
March 12th, 2026 03:49 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.
Tracy was absolutely exceptional. She was ALWAYS available for questions/assistance when needed, even during off-work hours. She was also quite patient to ensure both my spouse and myself were up to speed on all things necessary. Tracy was...
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Reply from Tracy Geer
February 23rd, 2026 09:38 PM
I enjoyed working with you. Thanks for the great feedback.
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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