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PERSONAL BANKING >> MORTGAGE LOANS

Our team of F&M Bank mortgage lenders can provide the best combination of services, product selection and interest rates.  We offer personalized service in a timely manner because we understand that your time is valuable and often in short supply. 
 
F&M Bank’s mortgage lenders can help you determine: 

  • The price range of the homes you can afford
  • The monthly mortgage payment you can afford
  • The mortgage program that best suits your particular situation
  • The down payment option that works for you
  •  
    F&M Bank’s knowledgeable staff of mortgage lenders is here to assist you during the mortgage loan process.  From the time of application to finding the right loan program to the loan closing, we will be with you every step of the way.  And since we are a locally owned bank, your loan decision will be made locally! 
     
    Contact an F&M Bank mortgage lender today to find out why F&M Bank is “The Right Choice!”.  In Manchester, contact Teresa Greve, in Lino Lakes or Vadnais Heights contact Jenna Juetten or Denise Calhoun and for the Cedar Rapids or Anamosa locations, contact Brian Hart. 
     
    Conventional Loans 
    Most popular real estate loans available. With this loan product the borrower is assured that they will not face a principal or interest rate change over the life of the loan. 
     
    • 15, 20, 25, 30 or 40 fixed-rate terms 
    • Purchase or refinance 
    • Owner occupied 1-4 family dwellings 
    • Second home (must be one unit and suitable for year round occupancy) 
    • Condominiums (must meet Fannie Mae standards) 
     
    First-Time Homebuyer 
    IFA FirstHome and IFA FirstHome Plus Loans are designed primarily for low and middle income families who are first-time homebuyers or who have not owned a home or mobile home in the last three years. 
  • Low fixed interest rates
  • 100% financing available
  • Down payment assistance grant
  • No points or origination fee
  •  
    Flexible 97   
    This real estate loan allows the borrower up to 97% of the purchase price or appraised value of the property, whichever is less. 
  • Single Family Residence
  • Must occupy residence as primary residence
  • 10, 20, 25 or 30 year fixed-rate terms
  • 5/1 Adjustable Rate Mortgages (ARM)
  • Requires Private Mortgage Insurance coverage
  • Purchase or refinance
  •  
    My Community Mortgage 
  • Income 100% or less of the Area Median Income
  • Not limited to first-time home buyers
  • Owner-occupied 1-4 family units
  • Purchase and limited cash-out refinance
  •  
    VA 
  • 30 year term, 15 year term, 5/1 ARM, 3/1 ARM
  • Up to 100% of the lesser of purchase price or appraised value
  • No minimum loan amount

  • USDA Rural Development 
  • 100% financing
  •  
    FHA 
  • Fixed rate loan
  • 30 year term, 15 year term, 5/1 ARM, 3/1 ARM
  • No minimum loan amount
  •  
    Other Loan Products 
  • Construction-Permanent
  • Adjustable Rate Mortgage (ARM)
  • Home Equity Loans
  • Down Payment Assistance Programs
  •  
    Loan Originators and Unique Identifier Numbers 
     
  • Brian Hart                 #494732

  • Nathaniel W. Dunn   #1119051

  • Lisa Diers                 #494729

  • Teresa Greve           #494731

  • Luann McQuillen      #494733

  • Denise Calhoun        #494728

  • Elaine Yanda            #847704

  • Jane Rubner            #1086662

  • Jenna Juetten          #1145486




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