The easiest way to finance the home of your dreams.

Getting a home loan shouldn’t be overwhelming and stressful

We give you the stress-free mortgage experience you deserve.

Trustworthy Local Lenders

We are your neighbors. We treat you the way we want to be treated so that when we see you at the school play, the ballfields, church, or the grocery store, we can smile and know that we treated you right.

Affordable Rates & Fees

At F&M Mortgage, you’ll find great rates and low closing costs. Plus, we clearly disclose all fees associated with closing your mortgage upfront so there are no surprises. We partner with you to provide an affordable experience, so you secure the home you love.

Smooth & Easy Transactions

We take the stress out of the loan process, making it as smooth and easy as possible. We do this by giving you everything you need and guiding you every step of the way.

In-House Underwriting

We are a local lender that services clients in-house. With everything under one roof, clients are assured of a quick and effective closing that meets the set schedule – with great communication and less stress.

Mortgage Purchase

At F&M Mortgage you’ll find a variety of competitive mortgage loans and helpful services to suit your needs. Your F&M Mortgage lender will help you determine the right type of loan by explaining payment options and terms. Interest rates change every day and we can help you lock in a great mortgage rate today.


People often choose to refinance their mortgage. When you refinance, you take out a new loan to finish paying off the original loan. The main reason people choose to refinance is to reduce their monthly payments and lower their interest rates.

Home Ownership Programs

F&M Mortgage offers several government-sponsored homeownership incentive programs. These financing options are designed to lower your interest rate, down payment amount and/or closing costs. Here are a few examples:

Get the Home of Your Dreams

Our Process is easy

01 Apply Online

The application process is easy and only takes a few minutes.

02 Get Approved

We'll review your information and let you know how much you're approved for.

03 Close Your Loan

We'll get you to the closing table on time, stress-free, and with no surprises.

You deserve a mortgage lender who will make your home buying process easier, not harder. Let us help.