Once you select Farmers & Merchants Bank to obtain your home loan we will guide you through the process in an effort to make it as quick and simple as possible. Whether you’re buying a new home or refinancing your existing loan our goal is to provide a seamless application process, and get you a quick loan decision. F&M will help you become an informed borrower, so you can better choose a mortgage that will meet your needs today and tomorrow.
Throughout the loan-application process we will keep you informed by providing regular updates about the status of your loan request. Our mortgage experts are here to assist you in any way, so feel free to ask questions or provide new information.
When you've selected a property and have a contract with the Seller, or decided it’s time to refinance your current loan, the first step is to complete your loan application. You have three options to complete an application:
Face to face – We will be glad to schedule an appointment to meet you in person to complete your application.
Telephone – Call us at (866) 649-3863. Our Loan Officers are available Monday through Friday from 8:30 AM to 5:30 PM.
Online - You can get started easily through our website. Once submitted one of our Loan Officers will call you to review and explain next steps.
F&M Bank does not charge any upfront fees with the exception of a property appraisal. The appraisal fee is paid to F&M Bank after you have received your Loan Estimate, prior to completion of the appraisal. All other fees or charges are collected at the time of loan closing. We’ll work with you to order and schedule a property appraisal appointment at the appropriate time.