Loan Services

F&M shares your visions of growth and progress, and our bankers are in a unique position to understand your company and your market. Because you need to move quickly in business, we'll cut through the red tape and provide FAST approvals for your loan requests.

When you’re working with F&M Bank, you’re working with a Business Banker who can help you design your loan with terms that make sense for your company:

• Real Estate and Facility Loans
• Commercial Property Acquisition and Development
• Facility Construction/Expansion 
• Residential Development and Construction
• Equipment Loans
• Working Capital Loans
• Agriculture Lending
• Lines of Credit
• Credit Cards – For one or multiple card holders

Find out how good our personal service can be by calling any Business Banker ... visiting a local office ... or by contacting F&M Bank.

Residential Development &  Construction Loans
Building houses ... developing property. Your investment and risk is sizable. That’s why you need an experienced local banker who understands the financial tightrope you walk.

F&M makes it OUR business to know YOUR business. You'll benefit from timely draws, risk mitigation and reduced stress ... meaning greater profitability for you! Ask about:

• Development Loans
• Construction Lines of Credit – For custom and speculative construction
• Mortgage Services – We provide your homebuyers with a seamless transition to permanent financing ... meaning faster money in your pocket