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31

Guide to VHDA Mortgages for First-Time Homebuyers

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 […]

33

Cash Flow, Debt, & Refinancing for Virginia Small Business Owners

Are you wondering if you should refinance a small business loan? Many businesses experienced the unexpected last year, and now itโ€™s time to get back on track or strengthen your existing operation. Small business debt consolidation or refinancing could be an important part of your strategy this year. In this article, weโ€™ll explain how to […]

34

Owning vs. Leasing Commercial Real Estate in Virginia

After finding the right property for your business, how do you decide whether to buy or lease it? There are pros and cons with both options, including the opportunity to build equity and profit off the future resale of your commercial real estate property. Keep reading for a complete guide to owning vs. leasing commercial […]

35

Using a HELOC to Pay Off High-Rate Debt. Is it a Good Idea?

Homeowners might wonder whether it’s a good idea to tap their home equity, or the market value of the property minus what is still owed on it, to pay down other types of debt, especially high-interest credit card balances. Homeowners might wonder whether it’s a good idea to tap their home equity, or the market […]