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.

Tell us what questions are on your mind…

  • When should I refinance my house?
  • When should I refinance my mortgage?
  • When should I refinance my home equity loan?
  • When is the best time to refinance my home?

we have answers

Contact one of our Mortgage Team members below or call us at 1-888-692-2654 to help to find a custom lending solution to fit your unique needs.

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 2.375 Rate (2.655% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at $661 for 180 monthly payments.
20 Year Fixed 2.75% Rate (2.968% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at $543 for 240 monthly payments.
30 Year Fixed 3.000% Rate (3.156% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at $422 for 360 monthly payments.
5/1 ARM 3.375% Rate (3.534% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at a range of $432 and $764 for 360 months.
7/1 ARM 3.625% Rate (3.653% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at a range of $457 and $758 for 360 months.
10/1 ARM 3.75% Rate (3.768% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at a range of $464 and $729 for 360 months.
15/1 ARM 3.875% Rate (3.914% APR) The listed interest rate and APR are based on a loan amount of $100,000. The estimated monthly payment includes prepaid fees of $1,969 and is estimated at a range of $471 and $671 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 $548,250. 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 2/4/2021.

Mortgage Team

Photo of Jessica Leonard
Residential Loan Officer

Jessica Leonard

Photo of Cody Sustakoski
Residential Loan Officer

Cody Sustakoski

Photo of Jeremy Bennett
Residential Loan Officer

Jeremy Bennett

Photo of Travis Bohrer
Residential Loan Officer

Travis Bohrer

Photo of Deane Foy
Residential Loan Officer

Deane Foy

Photo of Charlie Startzman
Residential Loan Originator

Charlie Startzman

Stacey Mohler
Residential Loan Officer

Stacey Moler

Photo of Jessica Leonard

Residential Loan Officer

Jessica Leonard

Serving Berkeley County, WV & surrounding areas

NMLS #1578343

Photo of Cody Sustakoski

Residential Loan Officer

Cody Sustakoski

Serving Monongalia County, Harrison County & surrounding areas in WV

NMLS #1008868

Photo of Jeremy Bennett

Residential Loan Officer

Jeremy Bennett

NMLS #1867626

Photo of Travis Bohrer

Residential Loan Officer

Travis Bohrer

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

NMLS #527491

Photo of Deane Foy

Residential Loan Officer

Deane Foy

Serving Garrett County, MD & surrounding areas

NMLS #527487

Photo of Charlie Startzman

Residential Loan Originator

Charlie Startzman

Serving Washington County, MD & surrounding areas

NMLS #1798174

Stacey Mohler

Residential Loan Officer

Stacey Moler

NMLS# 576468

Supporting our communities is more than our job. It’s our privilege.

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
699754 - Nakisha Ceiytoi Aviles-Broadnax
1866088 - Tara Renee Baldwin
1273728 - Amy M Baer
1093943 - Danelle L Baker
2069271 - Belinda Renee Pritt-Ball
1629282 - Rupal Vishal Bhatt
1579606 - Dionne L Bolyard
1867626 - Jeremy Craig Bennett
1651102 - Kimberly Ann Betson
527491 - Travis Franklin Bohrer
682383 - Mary M Bond
1483907 - Maranda Burdock
770560 - Shannon Michelle Burker
1093942 - Tessia M Canuhe
1701167 - William Donald Cessna
2069316 - Tiffani L Pyles-Charland
1769351 - Amy Sue Clise
1400629 - Tasha Corley
1775638 - Sky Dawson
1605794 - Crystal Jean Dayton
1579936 - Jessica Lynn DeWitt
1198576 - Rachel L. Dye
770562 - Nancy Hollis Eichelberger
959304 - Brandy Lee Fawley
1927955 - Christina Lynne Ferguson
527487 - Deane Foy
682377 - Shelley D Friend
1747972 - Tanya Fuller
1910477 - Whitney Rae Glotfelty
1517249 - Tina L Green
1751209 - Ashley LeAnn Grossnickle

1579946 - Luther Groves
1102040 - Marshall Hammer
2069040 - Laura Brooke Harper
770548 - David N Hart
885362 - Suzette Hedrick
2043230 - Brandi Danielle Helman
864509 - Denise E. Hess
912750 - Scott A. Hostetler
1729743 - Victoria Mae Jenkins
1897734 - Marlo Michelle Johnson
1573399 - April Jones
1579948 - Rebecca Lynn Jones
1474241 - LaDonna Rae Kaczorowski
1927935 - Amy Elizabeth Keesey
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
1579958 - Carol McNair
576468 - Stacey Moler 
2024931 - Francis Mose
770564 - Kimberly R Moyers
1579949 - Sandra Anne Nichols
1910483 - Jennifer Michele Oliver
1867741 - Danae Elizabeth Park

770542 - Denise D Phelps
1579591 - Christy L Price
2071977 Chelsea Michelle Ray
699758 - Tina Louise Reid
1048763 - Brandi Lee Rice
645817 - Philip Lee Rodeheaver
682376 - Sarena La Nae Rodeheaver
2085885 - Jennifer Lee Rogers
682382 - Donna Jean Ryan
1910474 - Holly Nicole Sanders
610138 - Jason Schnopp
474963 - Nellie Seuss
1579947 - Amanda Shaffer
682375 - Allen Howard Shapiro
1174094- Shelia Shapiro
699756 - Jaime Lynn Shelton
1453015 - Ginnie Sines
1911404 - Kasie Lynn Spaid
1153500 - Heather Spiker
798174 - Charles Startzman
1815235 - Judy Ann Steyer
1008868 - Cody A. Sustakoski
1629286 - Lisa Renee Thomas
1979424 - Cassandra Tia Towns
1852916 - Jordan J Twyman
1437821 - KiYana LaShay Underwood
1030250 - Sarah M Warchola
728410 - Suzanne R Weiss
1927953 - Dakota Marie Weller
1483837 - Robin Williams
1867573 - Beverly Jo Wilt

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