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Financing Dreams

FMB Mortgage FMB Mortgage 

A Division of Farmers & Merchants Bank
If you are purchasing the home of your dreams or considering refinancing to achieve financial freedom we can help!


Choose a Loan to Fit Your Need


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

FHA Loans

  • Insured by the Federal Housing Administration
  • Especially popular with first-time home buyers
  • Low down payment with competitive rates and terms

Adjustable Rate Mortgage (ARM)

  • Conventional with a periodically adjustable rate based upon a preselected index.

Fixed Rate Mortgage

  • Conventional loan with low, fixed interest rates

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.

Construction Loans 

  • Take up to 12 months to build 
  • Competitive rates
  • Quick Approvals
  • Interest only during construction period 


Financial Calculators

What should I bring with me to apply for a Home loan?

The following information is necessary to fully underwrite your loan request.  Please bring this information with you when you apply to expedite the loan decision process. 

  • W-2’s and Federal Income Tax Returns for the previous two years.
  • If self-employed by your own corporation, please provide your corporate returns for the previous two years along with a profit and loss statement.
  • Most recent pay stubs for the previous 30 days.
  • If you choose to use social security, disability, or pension income, we will need a copy of the award certificate from the issuing agency.
  • Please provide copies of the bank statements for the most recent two months.
  • Please provide recent monthly or quarterly statements to verify all stocks, bonds and other securities.
  • Please provide a copy of most recent Home Owner’s Insurance Policy.
  • Accepted sales contract with any amendments or counteroffers signed by all parties.
  • If you have been in any legal proceedings (Divorce, Bankruptcy, or Foreclosure) additional documents may be required.

 Additional documentation needed for Construction Loans

  • Legal description of subject property
  • Plans and Specs
  • Estimate of cost to build, include copies of bids