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  • Competitively low rates for home purchase
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • Jumbo loans
    • Construction mortgages
    • Government mortgages
    • VA loans
    • FHA loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing in Western Kentucky
  • Attentive, friendly service from start to finish

Let us help you get home. Contact a member of our mortgage team to learn more!

Shana Gray
Vice President Senior Mortgage Banker
[email protected]
NMLS ID #636001

Terri D Rainwater
Assistant Vice President
Mortgage Banker
[email protected]
NMLS ID #651155

Zachary Chappell
Junior Mortgage Banker
[email protected]
NMLS ID #1835516





We understand that everyone's needs are different. That's why we have a wide variety of mortgage products designed with you in mind.

Conventional Fixed Rate Mortgage

  • Get a set payment of principal and interest for the entire loan term
  • Several fixed rate terms available

Conventional Adjustable Rate Mortgage (ARM)

  • Get a low initial payment with a rate that will change later
  • Ideal if you're not planning on staying in your home very long
  • Interest rate may be lower than on a fixed rate loan
  • Interest rates adjust after initial period
  • Flexible rates and terms

Jumbo Mortgage

  • Get help in purchasing that more expensive home
  • Many financing options available

Construction Mortgage

  • Build a custom home by setting up a construction line of credit from First United Bank
  • Interest-only payments during construction
  • Many permanent financing options at completion

Government Mortgages

  • Federal Housing Authority (FHA) or Veterans Administration available (VA)
  • Fixed rate, long-term mortgages
  • Must meet FHA or VA requirements to be eligible

Deciding between a fixed rate and adjustable rate mortgage (ARM) depends mostly on how long you plan to keep your home. If you're planning to be in your house for a while and want a rate you can count on for the life of your loan, a fixed-rate mortgage may be for you.

If you want the lowest possible initial monthly payments or if you don't plan to keep your home more than a few years, an ARM might be the answer. An ARM offers a low initial interest rate that may rise after a specified number of years.

Let one of our knowledgeable advisors help you decide which loan best fits your needs.

The SAFE Act requires that all employees that act as mortgage loan originators be registered in the Nationwide Mortgage Licensing System (NMLS). Below is a list of officers that are registered, along with their identifying numbers.


First United Bank and Trust Company – 498528

Mortgage Loan Originators NMLS IDs

  • Rufus Baker – 686333
  • Donna Bennett – 686332
  • Shannon Coots – 1489490
  • Amy Doner – 1524677
  • Christopher Findley – 846570
  • Shana Gray – 636001
  • Travis Huff – 964798
  • Marcy Payton – 439444
  • John Perdue – 570188
  • Terri Rainwater – 651155
  • Charlie Day - 1457385
  •  Zachary Chappell - 1835516