Duane Gulley - Mortgage Lender - NMLS #636152

Duane Gulley - Mortgage Lender - NMLS #636152 Duane serves as Vice President, Regional Credit Manager at First Mid Bank & Trust in Mt. Vernon, IL. Member FDIC. Equal Housing Lender.

First Mid Social Media Community Guidelines:
https://www.firstmid.com/social-media-community-guidelines/
Mt. Vernon Banking Center:
https://www.firstmid.com/location/mt-vernon/

Happy Labor Day!!
09/07/2026

Happy Labor Day!!

How does your credit score rate?
09/04/2026

How does your credit score rate?

Think about everything you learned in school. Mortgages weren’t on the syllabus. That's why most first-time buyers walk ...
08/31/2026

Think about everything you learned in school. Mortgages weren’t on the syllabus.

That's why most first-time buyers walk into this process knowing they want a house, but not much about DTI (or debt-to-income ratio), loan estimates, what escrow is, or why their rate changes between application and lock.

That’s normal. My job is to translate what each document means, what each number is doing, and what your options look like at every step. You’re not behind for not knowing this already. Almost nobody does.

📩 What questions do you have as a first-time homebuyer?

The first step in buying a home is to know where you stand financially. Give me a call to start that discussion!!
08/28/2026

The first step in buying a home is to know where you stand financially. Give me a call to start that discussion!!

Waking up in a place that is yours.A payment you actually understand. A mortgage structured so it fits your life, not ju...
08/24/2026

Waking up in a place that is yours.
A payment you actually understand.
A mortgage structured so it fits your life, not just the listing price.

I am not saying it solves everything, but clarity on the numbers does make the whole process feel a lot less stressful. 🏡
Member FDIC. Equal Housing Lender

Give me a call to discuss getting pre-qualified before you lose out on the home of your dreams!
08/21/2026

Give me a call to discuss getting pre-qualified before you lose out on the home of your dreams!

You can feel when a payment supports your daily life... or quietly fights it.Pay attention to this:The right payment doe...
08/17/2026

You can feel when a payment supports your daily life... or quietly fights it.

Pay attention to this:
The right payment does not just clear underwriting. It leaves room for groceries, savings, life changes, and sleep-at-night confidence. If the number only works on paper, it usually shows up later — in stress, trade-offs, or second-guessing.

Before you fall in love with a home, make sure the payment actually fits your routine. Reach out to me and I will help you pressure-test it before it becomes personal.

Did you know that First Mid has Grants that can help with your down payment? Give me a call while the grant is still ava...
08/14/2026

Did you know that First Mid has Grants that can help with your down payment? Give me a call while the grant is still available!!

Address

400 S. 34th Street
Mount Vernon, IL
62864

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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