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.

To get started on the construction loan process, contact us or start the application online.

NMLS# 414464 | NMLS# 275173
Rates* refer to Annual Percentage Rate. Loan is subject to credit approval, and subject to change without notice.