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Before you can make the transition from renting to owning your home, you might need to have a substantial down payment, typically 5 to 20 percent of the homeโs value. The American Bankers Association suggests the following tips to help save for it: Develop a Budget & Timeline Start by determining how much youโll need […]
Are you a veteran, service member, or surviving spouse? Perhaps youโve heard that the VA can help you get a mortgage loan, but youโre not sure where to start. As a longtime community bank serving the residents and military veterans of the Shenandoah Valley, F&M Bank created this education guide to VA Loans to help […]
Named after the river that traces its border, the Shenandoah Valley region of Virginia is also nestled between two mountain ranges: the Blue Ridge and Appalachians. Locals enjoy the simple pleasures and outdoor activities available in Shenandoah National Park. Overall, the Valley is a large area with many different kinds of people and places to […]
Buying a home in Virginia is an exciting process that you have probably been looking forward to for years. If you are a first-time homebuyer, the process of choosing a mortgage lender, deciding on a mortgage type, and applying for a home loan may seem intimidating. At F&M Bank and F&M Mortgage, we have been […]
Are you having trouble finding a home for sale that checks all your boxes? If your timeline and budget are not terribly strict, then opting for new construction can be beneficial in many ways. Building instead of buying is an especially attractive option when the market is hot. Spare yourself the scarce inventory and bidding […]
While Virginiaโs housing market has cooled a bit recently, market conditions are still strong with relatively low inventory and rising prices. A hot real estate market is known as a โsellerโs market,โ where homeowners who list their properties have the upper hand in choosing from multiple bids and often get more than they listed the […]
One of the most exciting times in your life can be moving into a new home. You have saved for your down payment and are ready to begin the decision-making process, but now you may have new questions arising. Should I be building or buying my house? How likely is it for me to find […]
Homeownership is woven into the fabric of the American dream, but the process can seem daunting to first-time homebuyers. As your community bank and mortgage lender, F&M Bank and F&M Mortgage are here to help. In this comprehensive guide we break down everything you need to know about buying your first home in Virginia, from […]
Who are the best mortgage lenders? This article will help you choose, but the answer ultimately depends on your particular circumstances and preferences. While tech savvy consumers may have no qualms about working with an online-only lender, other people prefer the kind of personalized service only a lender with physical locations can offer. Of course, […]
Buying a home is one of the biggest decisions a person or couple can make. As a realtor, clients trust you to guide them through this important process. While potential buyers focus on the appearance of the kitchen, or whether there are enough bedrooms for the kids they hope to have, you work behind the […]
