Home Loans

Mortgage logo

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.

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