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Homeownership Made Easier


At F&M Bank we are committed to supporting families and individuals who make their living serving others in the community. As part of this commitment, we offer a unique financial opportunity for current or retired law enforcement officers, educators, health care workers, firefighters, and other first responders who are purchasing a home.


F&M Bank can assist homebuyers in accessing matching funds for the down payment, closing costs, and rehabilitation costs incurred when purchasing a home. For every $1 you contribute to your home purchase, you can receive $4 in matching funds, up to $7,500. 


Funding is available to qualified borrowers that meet product and income eligibility requirements.* In addition to meeting eligibility requirements, the homebuyer must:

  • Contribute at least $1,000 toward the purchase of the home
  • Occupy the home as a primary residence
  • Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta


Please contact our F&M Bank Mortgage Lending Officer, Pam Abernathy, to determine if you are eligible for Community Partners funding and to begin your application process.


*Community Partners Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program. Implementation Plan at www.fhlbatl.com for complete product requirements.