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Welcome to F&M Bank's Mortgage Division

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Welcome to F&M Mortgage

F&M Mortgage has been offering full-service home mortgages to the Shenandoah Valley and beyond since 1999. Along with parent company F&M Bank, our professional mortgage advisors have loan options and mortgages to meet your residential and commercial lending needs. Serving the Shenandoah Valley and beyond, including VA, WV, MD, DE, PA, NC,  and FL.

Flexible lending options from a team of local lenders familiar with your community make F&M Mortgage the ideal lender for your home loans. In-house decision making simplifies the process and competitive rates get you the most for your money.  Get started now!

Our competitive rates allow you to plan for your future. Get started now!

Contact F&M Mortgage to make an appointment with an experienced advisor and get started now!

Meet Our Experienced Team

Established in 1999, F&M Mortgage has been serving the community for almost 20 years.

Recent Mortgage News

The Virginia Homebuyer’s Guide to New Construction

Are you having trouble finding a home for sale that checks all your boxes? If your timeline and budget are not terribly strict, then opting for new construction…
Guide to Navigating a Competitive Housing Market in the Shenandoah Valley

Guide to Navigating a Competitive Housing Market in the Shenandoah Valley

While Virginia’s housing market has cooled a bit recently, market conditions are still strong with relatively low inventory and rising prices. A hot…
Understanding a HELOC and How to Use It

Understanding a HELOC and How To Use It: A Guide For Shenandoah Valley Homeowners

Your home is an investment in many ways, and once you accrue equity in your home, you have it at your disposal for financial uses. If you’ve been wondering…

Have Questions? Get In Touch

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