TJ Ralston - NMLS# 1374466 - Jefferson Bank

06/03/2026

A home is more than four walls—it's where life's best moments happen. 🏠✨

I'm proud to help customers take the next step toward homeownership and create the space where memories are made. Thank you to Jefferson Bank for allowing me to be part of so many meaningful journeys.

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

Some people talk about the dream of homeownership—TJ helps make it real every single day. 🏠✨

From first-time buyers to forever homes, TJ knows the process is about more than paperwork. It’s about cookouts in the backyard, movie nights in the living room, and memories waiting to happen.

Because at Jefferson Bank, we believe in More Moments That Matter—and TJ’s here to help you find them. 💙

TJ Ralston - NMLS # 1374466 - Jefferson Bank

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

06/02/2026

🌎 Wander more. Stress less. Spend smarter. 💙
Whether you’re planning a beach trip, weekend road trip, or family adventure, there are plenty of ways to make memories without breaking the budget. ☀️🚗

Start exploring our vacation budgeting tips here 👉🏻 www.jefferson-bank.com/learning-center/vacationing-on-a-budget

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

06/01/2026

Proud to be part of a team that helps turn “house goals” into real-life moments that matter. 🏡✨

This National Homeownership Month, I’m grateful to celebrate the big wins and small joys with our customers—because a mortgage is more than a loan, it’s the beginning of something meaningful. 💙



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

05/29/2026

🏠💬 Let’s talk closing costs… because there’s a lot of confusion out there!
Think you’ve got it figured out? Let’s bust a few myths 👇🏼
🚫 Sellers always pay
🚫 They’re the same for every home
🚫 Only your down payment matters

✅ Reality: Closing costs vary and cover important services like appraisals, title work, and more—and yes, they can sometimes be negotiated!

No surprises at the finish line 🔑 Let’s break it all down together.

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

05/28/2026

🏡 Not every homebuyer needs the same mortgage strategy… and that’s where an Adjustable-Rate Mortgage (ARM) can shine!

✨ Why consider an ARM?
✔ Lower initial rate = lower starting payment
✔ Great option if you don’t plan to stay in the home long-term
✔ Fixed-rate periods like 5, 7, or 10 years give you breathing room

The right mortgage should fit your plans — not the other way around. Let’s explore your options! 🔑 >>> www.jefferson-bank.com/tjralston

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

05/26/2026

🏡 Two loans. One big decision. Which one wins?
Not all mortgages are built the same—and the differences can seriously impact your wallet over time. 💸

Before you choose, take a closer look at:
🔍 Interest rates
💼 Fees & closing costs
⏳ Loan terms

A quick comparison today could mean big savings tomorrow.

Try our free Mortgage Comparison Calculator and make your move with confidence. 📲 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

05/25/2026

Today, we honor the fallen heroes who served with courage and selflessness. 🕊️
Their sacrifice is the foundation of our freedom and will always be remembered.

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

05/22/2026

🏡✨ Dreaming about your next home? Let’s make it real.
Before you start scrolling listings or booking showings, getting prequalified is the move. It gives you a clear budget and shows sellers you’re ready to roll.

Think of it as your homebuying green light 🚦
Let’s get you set up and one step closer to the keys in your hand! 🔑
👉 www.jefferson-bank.com/tjralston

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

05/21/2026

🩺 From white coats to welcome mats…
Jefferson Bank is here to support your homebuying journey with a mortgage made just for medical professionals. 🏡

Highlights include:
✨ 100% financing up to $1,250,000
✨ 90% financing up to $2,000,000
✨ No PMI required
✨ Tailored for healthcare professionals

You take care of others—we’ll help take care of home. 💙🔑
Apply today >>> www.jefferson-bank.com/tjralston

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

05/19/2026

💭 “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