1-888-692-2654 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. Our Mortgage Professionals Bank Owned Property Mortgage Education Center The Home Buying Process Looking at Your Spending & Debt Apply Online View Rates Contact an Originator Personal Loans Mortgage Loans Home Equity Loans Home Equity Line of Credit Boat & RV Loans Auto & Motorcycle Loans Personal Credit Cards Student Loans “I have the ability to get creative, and not have to operate in a small box, to get you where you are going.” Cody Sustakoski Residential Loan Originator 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. Our Team Visit Email 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. 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. 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 2.625 Rate (2.907% 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 $673 for 180 monthly payments. 20 Year Fixed 3.000% Rate (3.220% 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 $555 for 240 monthly payments. 30 Year Fixed 3.125% Rate (3.280% 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 $429 for 360 monthly payments. 5/1 ARM 3.25% Rate (3.49% 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 $436 and $755 for 360 months. 7/1 ARM 3.50% Rate (3.593% 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 $450 and $749 for 360 months. 10/1 ARM 3.625% Rate (3.690% 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 $720 for 360 months. 30 Year Fixed JUMBO 3.25% Rate (3.420% 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 $436 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 FNMA Fixed and ARM mortgage rates noted here is $548,250. The 30 year Fixed Jumo maximum loan amount is $2,000,000. 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 11/9/2021. Mortgage Team Contact an Originator We want to hear from you! Please fill out the form below, and we'll reach out to you as soon as possible! Name(Required) First Last Email(Required) Phone(Required) Nearest City to You(Required) Cumberland, Maryland Frederick, Maryland Grantsville, Maryland Hagerstown, Maryland McHenry, Maryland Oakland, Maryland Bridgeport, West Virginia Keyser, West Virginia Martinsburg, West Virginia Morgantown, West Virginia Piedmont, West Virginia I need assistance with...(Required) Home Financing Refinancing Other Message(Required) Please do not use email to send us communications containing confidential information or requiring our immediate attention. If you need to discuss information about your existing account give us a call at 1-888-692-2654, stop by one of our convenient locations or sign in to Online Banking to use our secure messaging service. 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. 699754 - Nakisha Ceiytoi Aviles-Broadnax 1866088 - Tara Renee Baldwin 1273728 - Amy M Baer 1093943 - Danelle L Baker 2069271 - Belinda Renee Pritt-Ball 1867626 - Jeremy Craig Bennett 1651102 - Kimberly Ann Betson 1629282 - Rupal Vishal Bhatt 1579606 - Dionne L Bolyard 527491 - Travis Franklin Bohrer 682383 - Mary M Bond 1093942 - Tessia M Brust 770560 - Shannon Michelle Burker 1701167 - William Donald Cessna 1769351 - Amy Sue Clise 1400629 - Tasha Corley 1775638 - Sky Dawson 1198576 - Rachel L. Dye 959304 - Brandy Lee Fawley 1927955 - Christina Lynne Ferguson 527487 - Deane Foy 682377 - Shelley D Friend 1747972 - Tanya Fuller 1910477 - Whitney Rae Glotfelty 2226638 - Kimberley Margaret Green 1517249 - Tina L Green 1751209 - Ashley LeAnn Grossnickle 1579946 - Luther Groves 770548 - David N Hart 885362 - Suzette Hedrick 2043230 - Brandi Danielle Helman 864509 - Denise E. Hess 2268177 - Gretchen Rae Hess 912750 - Scott A. Hostetler 1729743 - Victoria Mae Jenkins 1573399 - April Jones 1579948 - Rebecca Lynn Jones 1629294 - Jennifer Lynn Lewis 1747981 - Stephanie Lida 682394 - Laura Christine Lowry 773920 - Susan Ann Lucas 1579958 - Carol McNair 576468 - Stacey Moler 2024931 - Francis Mose 770564 - Kimberly R Moyers 1579949 - Sandra Anne Nichols 2167724 - Kyla Noelle Perez 770542 - Denise D Phelps 1579591 - Christy L Price 2071977 Chelsea Michelle Ray 699758 - Tina Louise Reid 1048763 - Brandi Lee Rice 1959077 - Erica Marie Riley 645817 - Philip Lee Rodeheaver 682376 - Sarena La Nae Rodeheaver 682382 - Donna Jean Ryan 2143619 - Jennifer Lynne Schmuck 610138 - Jason Schnopp 1579947 - Amanda Shaffer 682375 - Allen Howard Shapiro 1174094- Shelia Shapiro 699756 - Jaime Lynn Shelton 1643642 - Bridget Simpkins 1453015 - Ginnie Sines 1911404 - Kasie Lynn Spaid 1153500 - Heather Spiker 1798174 - Charles Startzman 1815235 - Judy Ann Steyer 1008868 - Cody A. Sustakoski 1629286 - Lisa Renee Thomas 2139094 - Evan Hudson Thorn 2166097 - Angelina Corvette Underwood 1030250 - Sarah M Warchola 2147791 - Kayla Catherine Webb 1483837 - Robin Williams 1867573 - Beverly Jo Wilt Upcoming Events NOVEMBER, 2021 25 NOV ALL FIRST UNITED OFFICES CLOSED IN OBSERVANCE OF THANKSGIVING DAY (All Day: Thursday) See More In Our Events Calendar Helpful Links Financial Calculators Careers at First United Investor Relations Real Estate Owned Properties Member FDIC Equal Housing Lender Accessibility Statement NMLS Information USA Patriot Act FDIC Coverage Information Terms & Conditions Security Privacy © 2021 First United Bank & Trust. All rights reserved. If you wish to receive a printed copy of our Privacy Notice, please contact our Customer Service Center at 1-888-692-2654. 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