Get The Home Of Your Dreams With F&M Mortgage.
F&M Bank and F&M Mortgage offer multiple loan programs to get you the home of your dreams. Start your search knowing you are ready to buy with pre-approval. Work with a member of our team to determine the best loan option for your next purchase, refinance, or building needs. Here is a snapshot of what we offer:
Ideal for homeowners looking for a fixed payment over the course of a long-term loan. Choose from 30, 20, or 15-year options (fixed rate Jumbo loans are also available) with an interest rate that does not change. Options include:
- VA Loans – for qualified Veterans
- VHDA Loans
- Rural Development Loans (USDA Loans)
- FHA Loans
Ideal for homeowners looking to take advantage of low and flexible interest rates for short-term loans. Start with one interest rate and adjust up or down depending on the current rates at preset intervals such as one year, three years, five years; etc. Options include:
- Spark Loan (no down payment required)
- Other In-House Loan Options Available
Ideal for homeowners needing a loan option to cover the gap between buying and selling a home and who cannot cover the cost of two mortgages.
Ideal for individuals looking to build the home of their dreams and who have a 20% downpayment.
Ideal for individuals looking to purchase property to rent to others.
Ideal for homeowners 62 and older to tap into the equity they’ve built into their home with a government-insured loan.
- Provides funds to help pay for the things you want or need.
- Continue to live in and own your home.
- Is an important and effective part of a sound retirement funding strategy.