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F&M Bank

Dave Sweeney

Senior Mortgage Advisor

Originally from Tennessee and now a Winchester resident, Dave Sweeney brings a unique perspective to mortgage lending. After a career as a healthcare executive, Dave wanted to use his financial experience in a more personal way, helping individuals and families navigate one of life’s biggest financial decisions.

Dave works with first-time homebuyers, growing families, veterans, medical professionals, self-employed borrowers, and clients considering construction financing. His approach is patient, thoughtful, and straightforward, with a focus on making the mortgage process feel less overwhelming.

He especially enjoys helping borrowers who may not realize homeownership is within reach. Dave takes time to explore financing options, answer questions, and work alongside the F&M Mortgage team and other trusted professionals to find the right path forward. And if a borrower isn’t quite ready to purchase today, he is happy to help create a plan for the future.

For Dave, “Better Together” means bringing experience, resources, and the right people together to help customers move confidently through their homebuying journey.

Outside of work, Dave enjoys hiking, reading, traveling, spending time on his small farm, and serving as an active member of the Winchester Rotary Club.

NMLS #457857

Why Work With Me?

  • Local lending decisions
  • Fast communication
  • Flexible appointment options
  • Personalized guidance
  • Experience with first-time buyers
  • Deep knowledge of the local market

Proudly serving homebuyers throughout:

  • Frederick County
  • Woodstock
  • Winchester






Whether you're buying your first home or your forever home, F&M Bank's local mortgage experts provide personalized guidance, competitive financing options, and support from pre-approval through closing to help make your home purchase simple and stress-free. 

 
Build your dream home with confidence using F&M Bank's flexible construction financing, featuring local decision-making, one-time or two-time close options, and expert guidance from groundbreaking through permanent financing.
Whether you're looking to lower your interest rate, reduce your monthly payment, shorten your loan term, or tap into your home's equity, F&M provides personalized refinancing solutions tailored to your financial goals. 
Expand your real estate portfolio with flexible financing for investment properties, backed by local mortgage expertise, competitive lending options, and personalized guidance to help you achieve your long-term investment goals
Make affordable homeownership a reality with flexible financing for manufactured and modular homes, backed by local mortgage expertise and personalized guidance every step of the way.

































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