Derrick Helm, Sr.- Mortgage Loan Officer - NMLS #2686083

08/19/2026

If you have questions about improving your credit score, contact me for a FREE consultation! I can share strategies that may help you better understand and improve your credit situation.

I am not a certified credit counselor. However, my experience in the lending business allows me to confidently share information and guidance that can help you understand what mortgage lenders look for when reviewing your credit.

🏡 Learn what mortgage lenders look for when reviewing your credit and take steps to get yourself ready for your new home!

Let’s get you mortgage-ready! 🔑🏠

📣 Did you know? You can get a free copy of your credit report each year from the official AnnualCreditReport.com website.

Visit: www.annualcreditreport.com

Feel free to reach out—I’d be happy to answer your questions!

08/18/2026

Today celebrates my 1yr Workversary with First Mid Bank. It has been a great and fulfilling year. I look forward to many more!

08/13/2026

Home buying is a big decision. You have questions. I have answers.
I pride myself on patience, transparency and integrity.

Get Ready To Move!

08/10/2026

As the Community Reinvestment Act Mortgage Loan Officer for our Bank:

I'm excited to share some moments from my time teaching financial education to both second graders and adult classes! At First Mid Bank, we truly believe that it's never too early—or too late—to start learning financial literacy. Empowering every generation for a brighter financial future is the key to building strong communities.

Contact me if you would like us to speak to your group.

Derrick T. Helm, Sr.
Mortgage CRA Loan Officer
NMLS #: 2686083
217-841-1011
[email protected]
Firstmid.com/staff/derrick-helm
Member FDIC| Equal Housing Lender

07/07/2026

Home Improvement just got a little easier!

Contact me to learn more about this exclusive program from one of Illinois top community banks!

07/04/2026

06/26/2026

I am partnering with the Housing Authority of Champaign County in presenting this homebuying workshop.

Seats are limited.

12/24/2025

Thank you to the Housing Authority of Champaign County, Illinois for allowing me to do a Homebuying Workshop.

I had a great opportunity to teach homebuying to prospective first-time buyers! 🏡

We talked through the important first steps in the homebuying process, including the pros and cons of buying vs. renting, understanding your credit, the Four C’s of credit decisioning by bankers, debt-to-income calculating, and lastly, documentation preparation and expectation.

It was very rewarding to help future homeowners feel more confident and informed about their journey!

Derrick T Helm, Sr.
Mortgage CRA Loan Officer
NMLS #: 2686083
217-841-1011
[email protected]
FirstMid.com/representative/Derrick-Helm/
Member FDIC| Equal Housing Lender

10/01/2025

Derrick Helm, Sr.- has joined First Mid Bank & Trust as a Mortgage CRA Loan Officer serving the Champaign-Urbana, IL community. With more than 30 years of customer and community service experience, Derrick is passionate about helping people achieve their dreams of homeownership. From first-time buyers to families planning their next move, he provides personalized mortgage solutions — with a special focus on expanding access to credit and resources in our local neighborhoods. Welcome to the team, Derrick! Learn more here: https://bit.ly/3WiLmGw