Michelle Gebhardt - NMLS# 543701 - Jefferson Bank

06/08/2026

Community, kindness, and a little heavy lifting. 💪💙
What a great day volunteering at the Catholic Charities Food Pantry with JCABOR's Realtors Are Good Neighbors program! I traded mortgage conversations for grocery bags and had the opportunity to help support local families alongside an amazing group of volunteers.

There's something special about coming together to make a difference, and I'm thankful to be part of a community that cares so much about its neighbors. Thanks, Jefferson City Area Board of Realtors, for another meaningful day of giving back!

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

06/04/2026

Hot take: summer fun > high utility bills 😎☀️
A few simple changes can help keep your home cool and your utility bill lower this season:
🔥 Cook outside on the grill
🪟 Keep blinds closed during peak heat
👕 Wear lightweight clothing indoors
🌀 Use fans to keep cool air moving

More summer savings tips here 👇
www.jefferson-bank.com/learning-center/tips-to-lower-your-summer-utility-bill/

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

06/02/2026

🎉 House hunting for the first time? An FHA loan could open the door. 🏡
With lower down payment requirements and flexible qualifications, FHA loans help make buying your first home feel a little more within reach. ✨

✔️ 3.5% down payment option
✔️ Credit scores starting at 580
✔️ Government-backed loan program
✔️ Ability to service payments in-house — meaning you can make your payments to us

Let’s get you one step closer to “Welcome Home.” 🔑 👉 www.jefferson-bank.com/michellegebhardt

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

06/01/2026

Homeownership is about so much more than keys—it’s about the memories that follow. 🏡💙

Proud to celebrate National Homeownership Month with Jefferson Bank and help our customers experience all the “firsts” that make a house a home. ✨



Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

🏡 It’s National Homeownership Month—and at Jefferson Bank, we’re celebrating the big wins, small joys, and everything in between. Because a mortgage isn’t just a loan—it’s the beginning of More Moments That Matter. ✨

First keys. First holidays. First steps. 💙 Whether you're buying, building, or refinancing, we’re here to help turn your house goals into real-life moments that matter.

TJ Ralston - NMLS # 1374466 - Jefferson Bank
Michelle Gebhardt - NMLS # 543701 - Jefferson Bank
Danne Kueffer - NMLS # 1562670 - Jefferson Bank
Stephanie Blaske NMLS # 654210 - Jefferson Bank
Erin Adamson - NMLS # 1654368 - Jefferson Bank

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

05/28/2026

💭 “Should I refinance my home right now?”
It’s one of the most common questions—and the honest answer is: it depends.

✔️ Lower rate? Maybe.
✔️ Shorter loan term? Possible.
✔️ Cash from your equity? Could be.

But don’t forget to factor in ⏳ time, 💸 fees, and whether the savings truly make sense for YOU.

Before you make a move, get the full picture here:
🔗 www.jefferson-bank.com/learning-center/is-refinancing-your-home-a-good-idea-what-to-know/

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

05/26/2026

🏡✨ Put your home equity to work—with flexibility that fits your life.
With our HELOC Special, you can tap into your home’s value and use it when it matters most:
🔧 Tackle those home upgrades you’ve been dreaming about
💳 Simplify finances with debt consolidation
🌴 Plan the getaway you deserve
💡 Be ready for whatever life brings your way

Enjoy a 4.99% APR introductory fixed rate for the first 12 months—then use your line as you need it.

Start exploring your options today 👉 www.jefferson-bank.com/heloc-offer/
Have questions? Connect with our team to see if a HELOC is the right fit 👉🏼 www.jefferson-bank.com/michellegebhardt

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

05/25/2026

On this Memorial Day, we remember those who gave everything in service to our nation. ❤️
Their courage, dedication, and sacrifice will never be forgotten.

In observance of the holiday, our offices will be closed Monday, May 25.

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

05/21/2026

🤔 Think all mortgage options are basically the same? Think again.
A slightly lower rate. Fewer fees. A better term.
It might not sound like much—but it can add up to thousands over the life of your loan. 💰

Don’t guess—compare.
Our Mortgage Comparison Calculator makes it easy to see what really works for you.

Run the numbers here 📲 www.jefferson-bank.com/learning-center/compare-two-mortgage-loans/

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender

05/19/2026

🇺🇸 Veterans: Your dedication doesn’t go unnoticed. Jefferson Bank’s VA Loan helps turn your service into a place to call home.
🏠 Features you’ll love:
✨ 100% financing for qualified borrowers*
✨ VA funding fee can sometimes be waived or financed
✨ In-house servicing—pay us directly

Requirements: VA Certificate of Eligibility and form DD - 214 (for veterans only), owner-occupied homes only.

Let’s get you home! 💙
🔗 www.jefferson-bank.com/michellegebhardt

Jefferson Bank | A Division of The Central Trust Bank | Member FDIC | NMLS # 407985 | Equal Housing Lender