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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

Home in center with sunset behind it and yard in front

Considering a 2-1 Buydown? Try an ARM Instead

  With the cost of homes up 10% since last year in Shenandoah County, and interest rates continuing to rise, many buyers are exploring options…
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…
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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…

Have Questions? Get In Touch

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