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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

Image of home with front porch and brick steps. Trees behind the house.

Financing Modular and Manufactured Homes in VA

Driving through the countryside of Shenandoah Valley, you’ve probably passed many manufactured and modular homes without realizing that these homes were…
Mountains

Guide to VHDA Mortgages for First-Time Homebuyers

Buying a home in Virginia is an exciting process that you have probably been looking forward to for years. If you are a first-time homebuyer, the process…
Understanding and Navigating a Volatile Housing Market

Understanding and Navigating a Volatile Housing Market in Virginia

The current economic climate is a challenge for everyone, especially if you’ve been thinking about buying a new home. Housing market volatility in Virginia…

Have Questions? Get In Touch

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