Erica Pallardy, Loan Originator, NMLS: 1299891

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United States
St. Charles, MO
Erica Pallardy, Loan Originator, NMLS: 1299891

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Erica serves as AVP, Mortgage Lender, for First Mid Bank & Trust, serving mainly MO and IL.

11/02/2026

🍁 HELLO, NOVEMBER!

A new month brings new opportunities, fresh beginnings, and plenty of reasons to be thankful!

Whether you're dreaming of a new home, thinking about making improvements to your current one, or simply enjoying everything this season has to offer, November is a great time to reflect on what HOME means to you.

Here's to a month filled with gratitude, family, and making memories!

11/01/2026

10/31/2026

It's that time of year again...⌚

10/27/2026

WOULD YOU BUY A HAUNTED HOUSE?

You find your absolute DREAM HOME!

✅ Perfect location
✅ Beautiful kitchen
✅ Huge backyard
✅ Amazing price

There's just ONE little problem...

The neighbors swear it's HAUNTED! 👻

Are you buying it anyway?

🎃 YES! Sign me up!
😱 NOPE! I'm out!

Tell me below! 👇

10/25/2026

🍬 TRICK OR TREAT: MORTGAGE EDITION! 🎃

👻 TRICK: Assuming you need perfect credit to buy a home.

🍭 TREAT: Learning that different mortgage programs have different credit requirements!

👻 TRICK: Thinking you must have 20% down.

🍭 TREAT: Discovering that some loan programs allow much smaller down payments!

👻 TRICK: Waiting until you find your dream home to speak with a lender.

🍭 TREAT: Getting prepared ahead of time!

🏡 Don't let mortgage myths scare you away from exploring your options!

10/23/2026

🦁💛 FRIDAY CHALLENGE: LET'S SPREAD SOME GOOD!

It's Friday, and we're challenging our St. Charles community to do ONE random act of kindness this weekend!

☕ Buy someone a coffee.
🚗 Let someone merge in traffic.
📱 Check in on an old friend.
🛒 Help someone with their groceries.
😊 Or simply make someone smile!

Big or small, kindness costs very little but can mean EVERYTHING to someone.

Here's our challenge: 👇

Tell us ONE good deed you've witnessed lately, or tag someone who deserves a little recognition for always helping others!

At the First Capitol Lions Club, our motto is simple: WE SERVE. 🦁

Let's make St. Charles a little brighter this weekend!

10/22/2026

YOU ARE CLOSER
THAN YOU THINK KEEP GOING.
THE WORK
YOU’RE PUTTING IN IS ADDING UP.

10/22/2026

Address

1001 S 5th Street
St. Charles, MO
63301

Telephone

+13142399445

Website

https://www.firstmid.com/staff/erica-r-pallardy

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