Whether you are buying your first home, moving up, downsizing, building your dream home, or refinancing, it is important to select a lender backed by financial strength and stability as well as one who has the experience and ability to handle your mortgage needs.

VBS Mortgage of Harrisonburg, a full-service mortgage company, is an affiliate of our bank. We refer many customers to them for fixed-rate longer-term loans.

Farmers & Merchants Bank offers a great service in pre-approving your application if you are in the market for a new home. This service empowers your buying ability by letting the realtor and seller know that you have been approved within the price-range you are shopping. And, it gives you the peace of mind of knowing that you have found a mortgage payment that you are comfortable with prior to signing a purchase contract.

Our experienced mortgage lender Kitty Purcell has over 25 years of experience in mortgage lending, coupled with the ability, knowledge and integrity to make your entire loan application process pleasant and successful.

Our underwriting is done locally so that you are not awaiting an answer from someone out of this area who may not be familiar with all of the unique details of your particular application or some of the features distinctive to the property you are purchasing.

Kitty can be reached in Harrisonburg at (540) 433-7575 or cell (540) 246-1677. Her office is in our Crossroads branch, on route 33 east of Harrisonburg. She is glad to travel to meet customers by appointment.

Types of mortgage loans and services available at Farmers & Merchants Bank
List of items you’ll need to bring to apply for a mortgage loan
Lending Dictionary – helps to explain many of the terms used in mortgage loan processing
Interest Rates: we offer very competitive rates on all our mortgage loans. Please contact us for current rate information. Loan is subject to credit approval.

Home Equity Loans – available for any purpose! If you own your home, you can borrow against your equity to fund any family need. These loans are made through our consumer loan officers in each branch. Contact us for more information, or click here to learn more about the home equity loans we offer.