Farmers & Merchants Bank: Where Family is our Foundation

Mortgage

Big Decision. Bigger Help.

We offer a variety of products and tools that give you the flexibility you need and experienced loan officers who want to make the process as simple as possible.

With all of our loans, there are no prepayment penalties if you pay off your loan early.

New Home Purchase

  • As a Fannie Mae servicer, we offer low fixed rates
  • Competitive in-house rates
  • Reduced down payment options and flexibility make us hard to beat

Refinance

  • Low closing costs
  • Lower your monthly payments
  • Build Equity Faster

2nd Homes/Condominiums

  • Low fixed rates
  • Reduced down payment options

1-4 Unit Investor Options

  • Owner Occupied
  • Investment Options

Lot and Construction

  • Residential competitive rates and terms (lot loans)
  • Quick and easy loan approval
  • Option of fixed rate at end of construction
  • Draw package option with local title company

First time buyer? Buying your first home can be an intimidating endeavor, but it doesn’t have to be. Check out our home buying guide.

Have questions? Contact our Lending Team at [email protected]