Lillie M. Kramer
Mortgage Loan Officer
Office: 319-730-5926
NMLS #2503814
Welcome to F & M Bank and our mortgage lending team! I truly enjoy helping my clients with their mortgage needs, whether it’s your first home, or your last home, I want to make this a smooth and easy process for you! Providing excellent service is my #1 goal and I welcome the opportunity to be your mortgage lender.
CONSTRUCTION
Building a new home? We’ll help you stay on budget through the construction process while offering competitive rates.
HOME EQUITY
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.
HOME PURCHASE
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.
HOME REFINANCE
Refinancing your home? F&M Bank's knowledgeable team of mortgage lenders will help you decide which loan program is right for you.