AlertFRAUD ALERTAlert

If you receive a call from someone claiming to be from the Fraud Department and asking for personal or account information, please hang up immediately. We have been notified that fraudulent calls appear to be coming from our phone number. Farmers & Merchants Bank will NEVER call you and ask for your account number, debit card number, PIN, or online banking information. If you are unsure about a call, hang up and call the bank directly using the number you know and trust. Please share this message to help protect others.

Thanks.

Mortgage Loans


Flexible Financing for Every Homebuyer

At Farmers & Merchants Bank, we offer a variety of mortgage options to support your homeownership goals—whether you’re buying your first home, upgrading, refinancing, or just exploring your options. With competitive rates and local decision-making, our team is here to make the process simple, clear, and personal.


Mortgage Programs We Offer

  • Conventional Loans
  • FHA Loans
  • VA Loans
  • Construction Loans
  • Guaranteed Rural Housing Loans (USDA)
  • First-Time Homebuyer Programs
  • Refinancing
  • Pre-Qualifications

From application to closing, our experienced mortgage lenders work directly with you to find the right loan structure, term, and program to fit your financial needs.

Home- morguage plan

Local Lending You Can Trust

With Farmers & Merchants Bank, you’ll get more than a mortgage—you’ll get guidance, responsiveness, and support from a team that’s right here in your community. We’re committed to helping you make confident, informed decisions every step of the way.

Ready to Get Started?

Inquire Today

Our Loan Originators:

Whether you’re house hunting or ready to refinance, contact our lending team today to begin the conversation. Pre-qualification is quick and easy—and it’s the first step toward finding a home loan that works for you.

fm BANK