F&M Bank works with builders and home buyers directly to ensure a seamless and user-friendly construction loan process, helping you and your clients build dreams into reality.
What separates our construction loans from other financial institutions?
- We offer competitive, fixed rates*
- Fast, local decision making from a trusted community bank
- Locally owned and operated since 1908, with strong knowledge of the local market area
- While some banks require a large down payment, we explore all avenues to offer our customers the best loan based on their individual circumstances
- We handle our inspections internally and locally, which saves time and money
- The affiliation between F&M Bank and VBS Mortgage means we can work in tandem with our customers during the approval, building, and refinance phases, saving major headaches along the way.
NMLS# 414464 | NMLS# 275173
Rates* refer to Annual Percentage Rate. Loan is subject to credit approval, and subject to change without notice.