F&M Bank

Home Mortgages Home Equity Primeline

Personal Loans Cash Reserve

Home Mortgages
Whether you are buying a new home or improving your existing home, a mortgage loan from F&M Bank is fast, competitive and convenient.

Conventional
F&M offers 15, 20, 25 and 30 year fixed and adjustable rate mortgages. By taking advantage of our pre-qualification service, you know how much house you can afford before you start shopping.

Construction/Permanent Loans
If you are planning to build your new home, F&M can simplify the entire process with a Construction/Permanent Loan package that can save you time and money.

Refinancing
Refinancing your current loan may amount to considerable savings. An F&M Refinancing plan is an excellent way to fund a new addition or any type of home improvement.

Primeline (Home Equity Loans and Lines of Credit)
Use the equity in your home to make home improvements, consolidate your debt, send your children to college or provide your daughter with her perfect wedding... the list goes on. There may be some tax advantages by using a home equity line; therefore, F&M Bank recommends that you consult your tax advisor.

Cash Reserve
At one time or another, we all overdraw our checking account. By adding Cash Reserve to your checking account, there are no more overdraft charges or returned checks. Your checking account automatically is "loaned" the amount to cover the insufficient funds.

Personal Loans
At F&M, we offer loans to purchase that new car you've always wanted or that boat you have your eye on. Whether it's a car, motorcycle, boat, vacation or recreational vehicle, our loan officers will be happy to help make your dreams come true.