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Get To Know Our Team

1st United is here to make your home-buying dreams come true
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Beth Lee

Owner/Sr. Loan Officer NMLS #1432765

The Beth Lee Way

From contracts to closings, we’re here to keep you informed, and get you in your dream home. Whether you have perfect credit or your credit’s a work in progress, if you are current or former military, you have earned the right to a VA loan with zero money down and zero cash out of pocket.

Why go FHA when you have better options? If you’ve been told you can only get a loan if your credit score is 620 or higher, 1st United can help. It is our immense pleasure to assist soldiers in getting the loan they deserve. We’re here to make the process of buying a home smooth and easy, while you leave behind the world of landlords and possible monthly rent increases, and enter into one of home owning stability. Start Now.

Libby Higgins

Libby Higgins

Director of Operations/Processing Manager

I am a military spouse with over 10 years experience in the mortgage industry. I have gained the knowledge and expertise to help put you at ease throughout the mortgage process. My diverse experience in the mortgage industry allows me to better assist you and ensure a smooth process from pre-qualification through to closing.


Libby Higgins

Payten Sherlock

Administrative Assistant

I am a mother to a two year old boy so I understand the importance of buying a home for you and your family. The home buying process is a new situation for a lot of buyers and there are many questions you may have. We try to make the process exciting and enjoyable, and I will go above and beyond to make sure that’s your experience.


Libby Higgins

Michael Marren

Loan Officer NMLS #1964732

I am a dedicated industry professional. As a U.S Army Veteran and prior Realtor, I possess the skillset to “get the job done”. Upon exiting the military, I assisted in building a successful team of Real Estate Agents. As a prior realtor myself, I have firsthand knowledge of how real estate works. I know that the home buying process can be stressful and I know exactly what it takes to maneuver the mortgage world with ease. With me on your side, you can breathe easy knowing that I am dedicated to you and your journey. Because to me, everyone deserves a place to call home.

Libby Higgins

Bonita Cash

 Processing Assistant

I’m a wife and mother of 3 amazing children. My hope is to help as many families so that they too can also achieve the American Dream of home ownership. I understand that the home buying process is a major decision and can often be stressful. I ensure to help buyers understand each step along the way whether it’s your first time or you have purchased before.



Libby Higgins

Sara Wharton

Loan Processor/Submission Specialist

I have over 5 year experience in the mortgage/real estate industry. I know the process from start to finish. The home buying process should be exciting and enjoyable, and I will go above and beyond to make sure that’s your experience.


Libby Higgins

Melissa Curry

Senior Loan Processor

As a processor, I know everything that is needed to move your file through quickly and efficiently making your closing happen without a hitch! I can honestly say that I love what I do and the satisfaction of being with a company that offers programs for individuals that would otherwise not qualify.

Libby Higgins

Trisha Cruz

Loan Officer

My extensive experience as a realtor has given me the tools and understanding of the home buying process that gives me an edge up as your Loan Officer. I have been a licensed Realtor since 2006, starting in California. Shortly after moving to Tennessee in 2014, I received my license and in 2016 I obtained my Kentucky license. Since then, I have been in the top 10% of Realtors in Tennessee! I believe that being a licensed realtor for over 12 years has made me more in tune to what potential buyers are going through and how they might be feeling during their home buying process. As your Loan Officer, I am here to ease your worries, and provide you with all the education and information you need to make an informed decision about your mortgage!

No matter where you are in the home buying process, I can help. As a Mortgage Loan Officer right here in Clarksville, I work to help you find the right mortgage for you! I am passionate about making your dream of being a homeowner a reality. There is nothing better than finding the house you get to make home!




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