Skip to Content

Home Loans

Choose the Home Loan that Works for You and Your Family

Your home is where many of your most cherished memories will take place, and F & M Community Bank is ready to make sure you can find the right home to make those memories. From mortgage loans that get you into your dream home, to home equity loans that allow you financial flexibility, our lenders will work with you to understand your unique needs. Check out our home loan options to understand how working with a community lender can make a huge difference.

Mortgage Loans

It doesn’t matter if you’re purchasing your first home, second home or vacation home, you need to work with a lender you can trust. Our mortgage lending team works with you throughout the entire loan process from pre-qualification to closing and can offer terms customized to your finances. Our mortgage options include:

  • Fixed-rate mortgages
  • Balloon loans
  • Construction to permanent loans
  • Residential lot loans
  • Home improvement loans

The fastest way for you to get started is to fill out our Mortgage Inquiry Form. Our lending team will review your submission and contact you soon!

Complete Our Mortgage Inquiry Form

Home Equity Loans vs. HELOCs

Your home’s built up equity can become one of the most useful tools in your financial tool box. F & M Community Bank gives you two options to put your home’s equity to use: Home Equity Loans and Home Equity Lines of Credit (HELOCs).

A home equity loan is a lump sum loan that you take out, using your home’s equity as collateral backing. A HELOC, on the other hand, is a revolving line of credit that you draw on as needed. Both home equity loans and HELOCs can be used for a variety of things, including:

  • Education expenses
  • Medical expenses
  • Home improvement projects

To apply for a home equity loan or HELOC, simply complete our online application.

Complete Our Loan Application