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Family in front of home

For most people, a home is by far their biggest investment. Because so much of your hard-earned money is tied up in a mortgage, it’s crucial to work with a financial institution that will be a true partner. F&M Bank has taken the often-intimidating mortgage process and made it convenient and easy to understand. Our mortgage expert provides step-by-step guidance, starting with selecting the right loan and ending with your last payment. All loan decisions are made locally, allowing our team the ability to customize loans based on your individual needs and find a loan solution that is fair and best for you.

Fixed Rate Mortgages

These are traditional mortgages whose interest rate(s) are set for the life of the loan. 

Adjustable Rate Mortgages

Adjustable rate mortgage (ARM) loans have interest rates that change periodically, often increasing or decreasing based on the market’s movements. 

Construction Loans

Building a new home is exciting, but it can be complicated. F&M simplifies the process for both short-term construction loans and permanent loans, saving you time and money. 

Jumbo Mortgage Loans

These loans are a good option for clients who need to borrow a sizeable amount of money.


Refinancing your mortgage can save a lot of money over the life of the loan. F&M’s experienced pros assist in outlining your options so you’re able to make smart refi decisions. 

Community Partners Product

Our Community Partners Product is 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. Click here to learn more.

All loans subject to credit approval.