Mortgage Loans

Mortgage lending is one of the best parts of being a local bank. We get to see your dreams come true every day, and we’re thrilled to be a part of that process. Whether it’s your first home, your dream home or any other piece of property, we can help you with local decisions and competitive financing.

 

Choose from these great options

Not sure which mortgage product is right for you? Let lending experts present options to carefully guide you through the entire process toward a successful closing.

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Fixed Rate Mortgage

Lock in your interest for a steady payment for the life of the loan.

Adjustable Rate Mortgage

Enjoy a lower initial interest rate that can adjust up or down.

First-Time Homebuyers

Let us be the first to welcome you into our neighborhood by financing your first home!

USDA Loans

This loan is designed to promote home ownership in rural communities, featuring flexible terms for a lower down payment.

Construction Loans

If you are building or renovating a home, finance the lot, construction and mortgage, in one loan!

Jumbo Mortgage

Financing for higher than average mortgage loan amounts, such as a luxury home, can leverage this option.

Portfolio Loans

Portfolio loans are written, serviced and managed as part of our investment portfolio.

Mortgage Refinance

Explore our competitive loan rates and terms to see if you can benefit from a lower rate or more affordable payment.

VA Loans

Our team is familiar with the ins and outs of VA loans, helping to serve Veterans as they have served us.

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FHA Loans

Let us help remove barriers when it comes to providing an FHA solution.

Rates

Term/Type Rates (APR) as low as * Payment Example
15 Year Fixed 3.25% Rate (3.522% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at $703 for 180 monthly payments.
20 Year Fixed 3.625% Rate (3.839% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at $587 for 240 monthly payments.
30 Year Fixed 3.750% Rate (3.904% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at $464 for 360 monthly payments.
5/1 ARM 3.79% Rate (3.676% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at a range of $466 and $796 for 360 months.
7/1 ARM 3.99% Rate (3.820% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at a range of $477 and $787 for 360 months.
10/1 ARM 4.25% Rate (4.078% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at a range of $492 and $768 for 360 months.
15/1 ARM 4.000% Rate (4.498% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,869 and is estimated at a range of $478 and $681 for 360 months.
* Loans subject to credit approval. Mortgage loan approval subject to First United guidelines and program adjustments. Term for all ARM products is 30 years. Maximum Amount for all mortgage rates noted here is $484,350. The APR, interest rate and principal and interest payment for all ARM products are subject to increase and will change after the initial period due to market - driven changes in the index. Loan program, including the rate and APR may change without notice. Rates noted are accurate as of 10/31/2019.

Mortgage Team

Jessica Leonard

Residential Loan Officer

Jessica Leonard

Serving Berkeley County, WV & surrounding areas

NMLS #1578343

Email:jleonard@mybank.com

Phone:304-274-3708

Sean Clark

Residential Loan Officer

Sean Clark

Serving Frederick County, MD & surrounding areas

NMLS #1039902

Phone:301-668-1163

Cody Sustakoski

Residential Loan Officer

Cody Sustakoski

Serving Monongalia County, Harrison County & surrounding areas in WV

NMLS #1008868

Email:csustakoski@mybank.com

Phone:304-291-9511

Jeremy Bennett

Residential Loan Officer

Jeremy Bennett

Email:jbennett@mybank.com

Phone:304-598-8547

Travis Bohrer

Residential Loan Officer

Travis Bohrer

Serving Allegany County, MD, Mineral County, WV & surrounding areas

NMLS #527491

Email:tbohrer@mybank.com

Phone:301-722-2899

Deane Foy

Residential Loan Officer

Deane Foy

Serving Garrett County, MD & surrounding areas

NMLS #527487

Email:dfoy@mybank.com

Phone:301-533-2254

Charlie Startzman

Residential Loan Originator

Charlie Startzman

Serving Washington County, MD & surrounding areas

NMLS #1798174

Email:cstartzman@mybank.com

Phone:301-393-4785

We’re passionate about building customized solutions.

NMLS Information

All First United mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Each licensed professional will be identified by their individual NMLS number below.

1910504 - Alexis Valerie Adlam
1866088 - Tara Renee Baldwin
617746 - Lynette F Briggs
1093943 - Danelle L Baker
1629282 - Rupal Vishal Bhatt
1579606 - Dionne L Bolyard
500518 - Deborah K Bennett
1867626 - Jeremy Craig Bennett
1651102 - Kimberly Ann Betson
527491 - Travis Franklin Bohrer
682383 - Mary M Bond
1804258  - Brandhl Anne Boyd
1910490 - Sabrina Dawn Kidd-Bryan
1483907 - Maranda Burdock
770560 - Shannon Michelle Burker
1845491 - Ashley Claire Burleson
1093942 - Tessia M Canuhe
1729736 - Shelby Nichole Carney
1701167 - William Donald Cessna
1039902 - Sean Patrick Clark
1769351 - Amy Sue Clise
1579952 - Rebecca Collins
1400629 - Tasha Corley
682382 - Donna Jean Creegan
1775638 - Sky Dawson
1579936 - Jessica Lynn DeWitt
1048766 - Leah Diehl
1198576 - Rachel L. Dye
770550 - Charles G Eichelberger
770562 - Nancy Hollis Eichelberger
959304 - Brandy Lee Fawley
527487 - Deane Foy
1890309 - Ashlee Sierra Friend

682377 - Shelley D Friend
1747972 - Tanya Fuller
1910477 - Whitney Rae Glotfelty
1517249 - Tina L Green
864509 - Denise E. Greenbeck
1751209 - Ashley LeAnn Grossnickle
1579946 - Luther Groves
1867832 - Amani Shaker Dhifallah Haddad
699758 - Tina Louise Haggerty
1102040 - Marshall Hammer
770561 - Patricia Ann Harrison
770548 - David N Hart
885362 - Suzette Hedrick
770544 - Sally A Horn
912750 - Scott A. Hostetler
1729743 - Victoria Mae Jenkins
1897734 - Marlo Michelle Johnson
1573399 - April Jones
1579948 - Rebecca Lynn Jones
1474241 - LaDonna Rae Kaczorowsk
1570994 - Kristi Lynn Kaiser
1729774 - Stephanie Ann Kane
520133 - Nada Marie Kisner
1578343 - Jessica L. Leonard
1629294 - Jennifer Lynn Lewis
1747981 - Stephanie Lida
682394 - Laura Christine Lowry
773920 - Susan Ann Lucas
1668755 - Amber Marie McComas
622114 - Frankie McIntyre
1671847 - Jacob William Mcintyre
1579958 - Carol McNair

1867581 - Emily Nicole Michaels
770564 - Kimberly R Moyers
682396 - Amy Louise Myers
1579949 - Sandra Anne Nichols
1867741 - Danae Elizabeth Park
1579812 - Heather Nicole Wolf Paugh
770542 - Denise D Phelps
1579591 - Christy L Price
1605794 - Crystal Jean Ray
1048763 - Brandi Lee Rice
645817 - Philip Lee Rodeheaver
682376 - Sarena La Nae Rodeheaver
1910474 - Holly Nicole Sanders
610138 - Jason Schnopp
1910483 - Jennifer Michele Scott
1579947 - Amanda Shaffer
682375 - Allen Howard Shapiro
1174094- Shelia Shapiro
699756 - Jaime Lynn Shelton
1453015 - Ginnie Sines
1911404 - Kasie Lynn Spaid
1153500 - Heather Spiker
806315 - Donna Lynn Spralls
798174 - Charles Starzman
1815235 - Judy Ann Steyer
1008868 - Cody A. Sustakoski
1834399 - Val Jean Teagarden
1629286 - Lisa Renee Thomas
1030250 - Sarah M Warchola
1342347 - Melissa K Weaver
1483837 - Robin Williams
1867573 - Beverly Jo Wilt

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