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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Very good communication and followup. Explaned the process every step of the way.
Reply from Tracy Geer
February 19th, 2026 04:29 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your home refinance and for the great feedback.
Tracy's knowledge and understanding of the lending process.
Reply from Tracy Geer
February 19th, 2026 03:04 PM
I really appreciate the feedback and look forward to working with you again.
We are very thankful for our updated rate, and Tracy made the entire process a breeze!
Reply from Tracy Geer
January 23rd, 2026 04:09 PM
Helping great customers like you is why I'm in this business. Thank you so much for trusting us with your home refinance and for the great feedback.
Service was spot on and great.
Reply from Tracy Geer
January 12th, 2026 03:32 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 is an excellent communicater and moved quickly. Thank you, Tracy!
Reply from Tracy Geer
January 5th, 2026 08:15 PM
I really appreciate the feedback and am looking forward to working with you again.
It was greay great working with Tracey and her team again.
Reply from Tracy Geer
January 5th, 2026 03:33 PM
Thanks for the great feedback. I hope you enjoy your new home!
Easy to get a hold of, always willing to help answer any questions
Reply from Tracy Geer
December 22nd, 2025 02:12 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.
Easy to work with, communicative, and informative.
Reply from Tracy Geer
December 15th, 2025 04:10 PM
Thank you for taking the time to provide feedback. I hope your move went smoothly as you start this new chapter!
I felt like Tracy was really trying to help me figure out what would be best for me. I didn't feel pressured at any time. I also appreciated how her estimates on costs were slightly over the actual costs, meaning there were only good surprises...
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Reply from Tracy Geer
December 8th, 2025 02:30 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 so helpful and mindful during the entire process and kept our objectives at the forefront of her efforts. Highly recommend working with her.
Reply from Tracy Geer
November 19th, 2025 08:25 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.
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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