We understand that every borrower is unique, and that's why at F&M Bank, we provide personalized financial solutions designed to meet your specific needs. From buying your first home to consolidating debt, our experienced lending team is dedicated to guiding you smoothly through each step. Trust F&M Bank to finance your future with confidence and clarity.

Whether you’re purchasing, building, or refinancing your primary home, vacation property, or an investment property, F&M Bank's knowledgeable team of mortgage lenders is here to assist you during the mortgage loan process. Click the 'Apply Now' button below to begin the process!

• Fixed-Rate Mortgage: Provides a stable monthly payment, ideal for borrowers who prefer predictable budgeting.
• Adjustable-Rate Mortgage (ARM): Offers lower initial rates that adjust over time, suitable for short-term ownership plans.
• Construction Loans: Designed specifically for borrowers looking to build their dream home from the ground up, with financing dispersed as construction progresses.

 

Benefits of F&M Bank Real Estate Loans

Whether you are looking for a new car or used car F&M Bank has a loan that will fi t your needs, at competitive rates and with flexible repayment terms. F&M Bank offers a wide selection of personal consumer loans.

Simplify your fi nances by consolidating your debts into a single, manageable loan. Enjoy the ease of one monthly payment, potentially lower interest rates, and a clearer financial path forward.

 

Enhance your living space with affordable fi nancing options tailored to cover home renovations, additions, or necessary repairs. Enjoy competitive rates and fl exible terms that make your home improvement dreams attainable.

 

Access funds when you need them, with a revolving credit line that provides financial flexibility for unexpected expenses or planned purchases. Only pay interest on the amount you use, making this an economical choice.

 

Your credit card charges turn into points redeemable for incredible merchandise, recreation, and travel rewards. You will earn one point for every net dollar you spend. The more you use your card, the more you can reward yourself!

 

Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Learn more about travel insurance coverage from trusted sources like Investopedia.

To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.

 

Enjoy added peace of mind with extended warranty coverage on eligible purchases made using your F&M Bank credit card. Coverage extends the original manufacturer's warranty, offering extra security for your investments.

 

Use your credit card with confidence knowing you are protected from unauthorized charges. Our zero fraud liability policy ensures you won't be held responsible for fraudulent activity on your account.
Redeem your points online at www.cRewardscard.com. For general Customer Service on cards issued through F&M Bank, call 1-800-883-0131.

 

 

• Personalized Service: Dedicated loan specialists to assist you every step of the way.
• Competitive Rates: Transparent, attractive rates to keep your finances affordable.
• Convenience & Flexibility: Simple application processes and repayment options tailored to you.
• Local Expertise: Community-focused service with deep local knowledge and decision-making authority.
• Digital Convenience: Access your accounts and manage your loans effortlessly with our secure online and mobile banking services.

Reach out today and discover why so many choose F&M Bank for their fi nancial needs!