Our offices will be closed this Saturday (1/17/26) and Monday (1/19/26) in observance of Martin Luther King Jr Day. Mobile and Online Banking remain available. Thank you for banking with F&M Bank! 
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, & NC.
Why should I use F&M Mortgage?
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. ย Get started now!
What are your rates?
Our competitive rates allow you to plan for your future. Get started now!
How do I schedule an appointment?
Contact F&M Mortgage to make an appointment with an experienced advisor andย get started now!
FDIC-Insured - Backed by the full faith and credit of the U.S. Government