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Couple in front of local bed and breakfast.

Andrew and Mary Walker, proprietors of Across the Pond Bed & Breakfast in Salisbury. The Walkers undertook a 6-month restoration project to re-open this amazing home originally built in the Colonial Revival style by Dr. J. Edgar Stokes in 1919.


Building or renovating a commercial property is often an essential part of entrepreneurship, and F&M Bank is dedicated to helping business customers find the financing to do so*. Our commercial bankers will work with you to create a flexible draw schedule and present term options with affordable monthly payments that fit your needs.


Use F&M Bank construction loans for: 

  • Builder construction lines
  • Single-family construction
  • Multi-family projects
  • Office space
  • Retail space
  • Self-storage space
  • Mixed-use properties
  • Industrial properties

*Subject to credit approval

For additional information or to apply for a loan today, contact an F&M Commercial Banker.