The easiest way to finance the home of your dreams.
- Low Rates & Fees
- Fast Closings
- Locally Owned
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
We offer lower rates and closing costs than other lenders, plus, you will never be surprised by hidden fees. Get a great deal you can afford so you can close on 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 with the ability to service our clients in-house. With everything under one roof, we're faster than the competition and have a 99% close rate.
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.
Refinance
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
- 80 years lending in TN/KY.
- 200+ Loans Closed each year.
- 33 Average Days to Close Loans
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4.8 Google rating.
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.
