A Division of
Farmers & Merchants Bank
Financing Dreams
If you are purchasing the home of your dreams or considering refinancing to achieve financial freedom we can help!
Mortgage Loans for Every Need
Refinance • Purchase • Fixed Rate • Adjustable Rate • USDA • FHA • Construction • Line of Credit • Land Loan • Lock & Shop
Choose a Mortgage to Fit Your Need
Fixed Rate Mortgage
Conventional loan with low, fixed interest rates
Adjustable Rate Mortgage (ARM)
Conventional with a periodically adjustable rate based upon a preselected index
FHA Loans
Insured by the Federal Housing Administration
Especially popular with first-time home buyers
Low down payment with competitive rates and terms
USDA/Rural Housing Loans
Sponsored by the US Department of Agriculture
Makes homeownership affordable for qualified borrowers with low to moderate income in rural communities
Can provide up to 100% financing with competitive rates and terms
Home Equity Line of Credit (HELOC)
Line of Credit available to borrowers who have equity available in their current home
Use your home equity to consolidate bills, pay for tuition, vacation, or whatever you choose
Land Loans
Secured by unimproved or improved real property
FMB Loans up to:
65% on unimproved property
Up to 75% on improved property
Lock & Shop
Home Shoppers may lock the interest rate and shop for a home without an address or contract for 60 days
Banking Terms Glossary – We know sometimes it’s hard to keep up with all of the new banking terms and bank lingo so we’ve put together a glossary of banking terms for your convenience.
