Building a new home? We’ll help you stay on budget through the construction process while offering competitive rates.
We have loans or lines of credit, depending on your needs. Flexible term options will help you set a monthly payment that fits into your budget.
Purchasing a new home? From the time of application, to finding the right loan program, to closing your loan, your lender will be with you every step of the way.
Refinancing your home? F&M Bank's knowledgeable team of mortgage lenders will help you decide which loan program is right for you.
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Meet the Team
Loan Officers
Mortgage Loan Officer/Assistant Vice President
NMLS #1455975
Based out of our Manchester, Monticello &
Anamosa Locations in Iowa
Lillie M. Kramer
Mortgage Loan Originator
NMLS #2503814
Based out of our Cedar Rapids
Locations in Iowa
Jenna A. Sims
Mortgage Loan Officer/Assistant Vice President
NMLS #1145486
Based out of our Lino Lakes &
Vadnais Heights Locations in Minnesota
Processing & Servicing Team
Marcy Pate
Mortgage Underwriter
Tracy Fonck
Mortgage Loan Processor
NMLS #1424895
Susie Scherbring
Mortgage Loan Processor