TJ Ralston, Mortgage Loan Officer

TJ Ralston

Vice President
Mortgage Loan Officer

Jefferson Bank
700-B Southwest Boulevard
Jefferson City, MO 65109
p: (573) 634-0863
f: (573) 634-7178
Email TJ
NMLS# 1374466

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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)

TJ started his banking career in 2005, accepted a position as commercial loan officer at Jefferson Bank in 2013, and is now assisting mortgage loan customers with the dream of home ownership.

TJ graduated from Lincoln University with a Bachelor of Science degree in Business Administration. He is involved in activities with Jefferson City Chamber of Commerce and Home Builders Association of Central Missouri and participates on the United Way Fund Allocation Board and Campaign Leadership Team.

Over the years he has invested his time to sporting events in the community as coach and referee for both youth and high school athletes. TJ resides in Jefferson City with his wife, Lacy and three boys. In his spare time, you can find him coaching and cheering on his boys at sporting events throughout the year.

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.