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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

Please click the below for more information, and to apply.  Be aware that we are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website.  We encourage you to read the privacy policies of websites reached through the use of links from the F & M Community Bank website.

Home Loan Information & To Apply

Home Equity Loans vs. HELOCs

Your home’s built-up equity can become one of the most useful tools in your financial toolbox. 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 the below loan application.

Complete Our Loan Application