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F&M Bank


Pay Your Appraisal Deposit

Keep Your Mortgage Application Moving

Thank you for choosing F&M Mortgage for your home financing journey.

Once you’ve received your Loan Estimate and confirmed your intent to proceed with your loan application, the next step is to submit your upfront appraisal deposit. This allows us to continue moving your application through the mortgage process without unnecessary delays.

Ready to make your payment?



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What Is an Appraisal?

A home appraisal is an independent professional evaluation of a property’s value. During the mortgage process, an appraisal helps confirm that the value of the property supports the amount being financed.

F&M Mortgage coordinates the appraisal as part of processing your loan application.

How Much Do I Need to Pay?

The upfront appraisal deposit is $500.00.

Please submit your payment within 5 business days of receiving your payment request. Prompt payment helps prevent delays or potential holds related to the appraisal and allows us to continue moving your application toward underwriting.

Any additional applicable fees shown on your Loan Estimate beyond this initial deposit will be handled at closing.










































Paying Your Appraisal Deposit Online

Our secure online payment portal makes it easy to submit your appraisal deposit using Visa, Mastercard, or Discover.

Before You Begin

Have the following information ready:

  • Borrower’s name
  • Payment card information
  • Your requested payment amount

How to Make Your Payment

  1. Select the Pay Appraisal Deposit button below.
  2. Enter the requested payment information.
  3. Include the borrower’s name in the description field so we can properly identify and apply your payment.
  4. Review your information carefully before submitting your payment.
  5. Complete the transaction through the secure payment portal.


Other Ways to Pay

Prefer another payment method? You can also submit your appraisal deposit using one of the following options.

By Mail
Send a check, money order, or cashier’s check payable to F&M Mortgage to:

F&M Mortgage
2040 Deyerle Avenue, Suite 207
Harrisonburg, VA 22801

Please include the borrower’s name on your payment.

In Person
Virginia residents may drop off their payment at our Harrisonburg mortgage office or at any F&M Bank branch.

For after-hours convenience, a mail drop box is located directly outside the main entrance of the Harrisonburg mortgage office.

By Phone or at Our Harrisonburg Office
Call (540) 442-8583 or visit our Harrisonburg mortgage office to make a credit or debit card payment.









iOS and Android Users

Download the F&M Bank app on your mobile device.

































































































Appraisal Payment FAQs
An appraisal provides an independent opinion of the property’s value and is an important part of evaluating the property being used to secure your mortgage loan.
Because timing can be important during the mortgage process, F&M Mortgage may order the appraisal after you have received your Loan Estimate and confirmed your intent to proceed. Your prompt payment helps us keep the process moving and avoid potential delays or holds.