Whether you are buying a home, building an addition or just looking to consolidate your debt, our lenders are trained to make the process of getting a loan as simple as possible.

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.

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Meet the Team

Processing & Servicing Team