F&M Trust deposit products
Enjoy financial security by blocking potential increases in market interest rates, ensuring stable and predictable mortgage payments for years to come.
With a fixed interest rate mortgage, your monthly principal and interest payments remain the same throughout the life of the loan, which can help you budget more effectively.
Depending on your applicable tax laws, you may be able to deduct mortgage interest from your taxable income. For eligibility, please consult your tax advisor.
If you're planning to build your dream home rather than purchase an existing one, our tailored construction financing solutions are designed to meet the specific requirements of your project from start to finish.
ARM (Adjustable-Rate Mortgage) that streamlines the home building process by combining construction financing and a long-term mortgage into a single transaction, ensuring convenience and financial stability.
A construction-only mortgage offers short-term financing that covers the costs of building a new home, allowing the borrower to focus on the construction phase before securing permanent, long-term financing once the project is complete.
A lot loan provides the necessary financing to purchase a vacant piece of land, offering buyers the flexibility to plan and develop the property according to their vision and timeline.
Bridge loans provide short-term financing, often used to bridge the gap between selling an existing property and purchasing a new one.
At F&M Trust, we’re proud to support those who serve our communities. The Community Champions Mortgage Loan helps public service workers move confidently toward homeownership with affordable, tailored financing.
With the F&M Trust Professionals Mortgage Loan, you can buy or build a new primary residence or refinance an existing one. Low mortgage rates and flexible payment terms can help you enjoy a healthier monthly budget in your new or existing home.
Explore our interactive calculators and digital resources designed to offer valuable assistance in navigating the complexities of securing a home loan, from calculating affordability to understanding different mortgage options.
Perfect for first-time and repeat buyers, these loans offer competitive rates and the ability to use a co-borrower’s income, even if they don’t live in the home.
Designed to support qualified buyers with flexible credit options and down payments as low as 3%, HomeReady® makes homeownership more accessible across a wide range of property types.
• Low down payment options
• Flexible credit guidelines
• Competitive interest rates
• Eligible for various property types
Crafted to support qualified buyers in rural and suburban areas with zero down payment and flexible credit options, USDA loans are ideal for both first-time and repeat homebuyers.
Featuring attractive interest rates with 100% financing options available, USDA loans open the door to homeownership for eligible property types in designated locations.
• Zero down payment options
• Flexible credit guidelines
• Competitive interest rates
• Applicable to select rural and suburban properties
VA loans are created to help eligible veterans, active-duty service members, and certain military spouses purchase homes with exceptional benefits and flexible terms. With zero down payment and no private mortgage insurance required, these loans are a smart choice for both first-time and repeat buyers.
Backed by the Department of Veterans Affairs, VA loans offer 100% financing on eligible properties, making homeownership more accessible for those who have served.
• Zero down payment options for qualified borrowers
• No private mortgage insurance required
• Flexible credit guidelines
• Competitive interest rates
Featuring lower down payments, flexible credit requirements, and competitive rates, FHA loans are ideal for first-time buyers and those with limited credit history.
With down payments as low as 3.5% and eligibility for various property types, including single-family homes and select condos, FHA loans offer greater opportunities for accessible homeownership.
• Low down payment options
• Flexible credit requirements
• Competitive interest rates
• Available for various property types
As a trusted local community bank, we’re committed to serving our neighbors. Our local financial pros live in the communities we serve and care about your success, delivering personalized service and knowledgeable support every step of the way.
Everyone deserves to experience better banking to improve their financial wellbeing. Expand your world with banking services and solutions that save you time and money, are personalized to fit your individual needs, and go deeper than just a transaction.
Discover what Banking Done Your Way® means to you today.
Checking solutions designed to fit your needs for a better banking experience.
Savings made simple to achieve your short-term and long-term goals.
Easy access to your money with rewards on everyday purchases.
Choosing the right credit card for your needs is easier than ever.
Feel at home with the right mortgage for you and your family.
Put the equity in your home to good use with quick-access funds for flexible borrowing.
Access funds on your terms when you need it the most.
Plan for your future at any stage with trusted advice and tailored solutions.
We offer a variety of traditional and specialty loans for anyone ranging from first time homebuyers to seasoned homeowners looking for their next place to call home. Contact a Mortgage Loan Officer today to find the right mortgage for you!
You can reach out to a Mortgage Loan Officer or begin the application process online by viewing our Mortgage Team page.
When using our online application process, you will receive a conditional answer within minutes of completing your application. For applications made in person, we can give you an answer by the end of the day if not sooner in most cases.