Michelle Gebhardt, Mortgage Loan Officer

Michelle Gebhardt

Mortgage Loan Officer

Jefferson Bank
700-B Southwest Boulevard
Jefferson City, MO 65109
p: (573) 634-0861
f: (573) 634-7178
Email Michelle
NMLS# 543701

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Mortgage Checklist

This checklist can help you gather the documents you need to proceed with the loan.

View or print our Mortgage Checklist

  • Completed Loan Application and Signed Authorization
  • Homeowners Insurance Declaration Page (If refinancing)
  • Current Mortgage Statement (If applicable)
  • W2s from last two years
  • 30 days pay stub with YTD earnings
  • 2 months current bank statements, all pages
  • Social Security or Pension Awards letters (If applicable)
  • 2 Years tax returns
  • Divorce Decree (If applicable)
  • Trust Documents (If applicable)

Michelle started her banking career in trust administration services in 1993. In 2000, she accepted a position in Mortgage Lending at Jefferson Bank. Her role has ranged from processer and closer to loan originator and Supervisor of the Mortgage Loan Department.

Michelle understands that buying a home is one of the most overwhelming experiences in a person’s life and getting to assist a customer during their home-buying journey is extremely rewarding.

Michelle is involved in the community and has served as event Chair for RACS events and is a member of the Jefferson City Area Chamber of Commerce, Jefferson City Board of Realtors, and Women’s Council of Realtors. Michelle has two adult children and two grandchildren and resides in Jefferson City with husband, Kevin.

Calculate a Mortgage Payment

Understanding your potential mortgage payment will help you determine what type of home is within your reach.

Your monthly mortgage payment includes both repayment of the loan principal, plus monthly interest on the outstanding balance. A mortgage payment can also include pre-payments on property taxes, homeowner’s insurance and monthly homeowner’s association dues into an escrow account managed by your lender.