ZIP home
- Jamey A Tracy NMLS653592
- Loan Officer
- 618-544-8684
- jamey.tracy@frsb.net
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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An annual or semiannual tax that is assessed, collected, and used by your local government for community funding. Commonly this is escrowed and included in your monthly mortgage payment.
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An insurance policy that protects your property and belongings from damage and destruction (also known as Hazard Insurance). It also can protect you from liability if damage or injury is caused to other people on your property.
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Homeowners Association fees (or dues) are used to cover services and amenities in the community or neighborhood the property is in.
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An insurance policy that protects a lender if a borrower defaults on their loan. Having Mortgage Insurance can make it easier for buyers with smaller down payment amounts to buy a home.
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Making a larger monthly payment on your mortgage can help save on your interest and pay off the mortgage sooner. Make sure to check there aren't limits or charges for early payoffs first.
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You can make interest only payments for the selected amount of years before making principal and interest payments. During this period you still can make interest only payments, as well.
- Mortgage Payment (P&I)
- $0(100%)
- Property Tax
- $0(0%)
- HOA Dues
- $0(0%)
- Homeowners Insurance
- $0(0%)
- Mortgage Insurance
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- Total Monthly Payment
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Jamey grew up in Oblong and graduated from Oblong High School in 1993. He attended Lincoln Trail College and graduated from Eastern Illinois University with a Bachelor of Arts degree. He began his career in banking in 1998 and began working at First Robinson Savings Bank in June of 2025. Jamey is a mortgage, consumer and commercial loan officer. He and his wife Stephanie live in rural Jasper County.