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F&M Bank 
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Tap the badge and grab our mobile banking app—it’s super easy and makes banking a breeze!
F&M Bank
Your Family.
Your Home.
Our Financing.
From first homes to forever homes, our mortgage team provides support, clarity, and financing that moves you forward.
Where are you in your home journey?
Whether you’re just getting started or ready to apply, we’ll help guide you to the right next step.
- Buying a Home
Explore loan options and get pre-approved - Refinancing Your Mortgage
See how refinancing may help you reach your goals - First-Time Homebuyer
Learn about programs, grants, and guidance available to you - Grants & Assistance Programs
Discover options that may help reduce upfront costs
Explore our home loan options
Ready to find your next home? Our purchase loans are designed to help you move forward with confidence, offering competitive rates and personalized guidance every step of the way—from pre-approval to closing.
Building from the ground up? Our construction loans provide flexible financing throughout the building process, with a smooth transition into permanent financing once your home is complete.
Looking to make the most of your current mortgage? Refinancing can help you lower your interest rate, reduce your monthly payment, or access your home’s equity to support your financial goals.
Put your home’s value to work for you. A home equity loan allows you to borrow against your equity with predictable payments—ideal for home improvements, debt consolidation, or major expenses.
Affordable homeownership options without compromising quality. We offer financing solutions tailored to manufactured and modular homes, helping you find the right fit for your lifestyle and budget.
Local expertise. Personalized guidance.
At F&M Mortgage, we believe home financing should feel straightforward, not overwhelming. Our team takes a hands-on, consultative approach to help you understand your options and move forward with confidence.
- Local lenders who understand your community
- In-house processing and underwriting for a more streamlined experience
- Flexible loan options tailored to your needs
- A team committed to guiding you every step of the way
Meet our Mortgage Advisors
Begin your homeownership journey with Terri.
Begin your homeownership journey with Veronica.
Begin your homeownership journey with Tonja.
Begin your homeownership journey with Allicyn.
Begin your homeownership journey with Jon.
Begin your homeownership journey with Dave.
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Support for Your Down Payment
Take advantage of grants and assistance programs designed to help you become a homeowner sooner.
Mortgage
Driving through the countryside of Shenandoah Valley, you’ve probably passed many ma
Mortgage
At F&M Bank and F&M Mortgage, we have been helping Virginians achieve their dreams
Mortgage
As your community bank and mortgage lender, F&M Bank and F&M Mortgage are here to he