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Mortgages and
Financing Options

F&M Mortgage lenders will take the time to personally lead you through the home loan application process. You can meet with one of our F&M Mortgage lenders in person or one can help you over a phone conversation. You can also apply online and promptly receive a response. Find an F&M Mortgage lender and start the journey to buying your new home!

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Home Construction

If you're building a home, a construction loan can be an ideal source of cash through the building process. Interest rates are competitive and closing costs are minimal. You won't pay any interest until the funds are used or drawn, giving you a convenient and affordable way to meet ongoing building expenses. And at F&M, we can easily convert your construction loan into permanent financing once your house is ready to be occupied.

Home Equity Loans

If you have equity in your home, you can use that asset to fund important projects, including home improvements and higher education. Equity loans and lines of credit offer affordable interest rates and terms which make them smart options for borrowers. At F&M, we offer Home Equity Loans with a fixed rate or Home Equity Lines of Credit (HELOCs) with fixed and variable rate options that offer more flexibility.

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We'll Make Your Dream A Reality

Purchasing a home can be one of the most thrilling experiences of a lifetime. Whether you're a first-time home buyer, moving up to a larger home or refinancing your current residence, you'll find F&M Bank is here to help you every step of the way. Buying a home can also have its anxious moments. We understand the importance of your home-buying decision, and will make the journey an enjoyable one.

Institution NMLS ID 518158


Calculate Your Loan Payment

Wondering how much house you can afford? Try out our financial calculators to get an estimate of payments and much more!


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