Mortgages

Not sure what kind of mortgage is right for you? No worries. After all, every new homeowner’s situation is unique. Here are some of the ways we can help.

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We’ll build your custom financing solution to help make the transition from your current home into a new one. We’ll be here to guide you through each step of the process with your new home, too.

Are you a first-time home buyer? We offer some perfect borrowing solutions:

  • Federal Housing Authority (FHA) mortgage (provides lower rates, lower fees and a low down payment)
  • HomeReady® Mortgage (offers a 3% down payment)
  • USDA Rural Housing Guaranteed Loan Program (offers 100% financing with fixed interest rates)
  • VA Loan (100% financing and no down payment– ideal for US military veterans and eligible surviving spouses)

If you’re buying an existing home, we can offer:

  • Fixed rate mortgages
  • Adjustable rate mortgages
  • Home equity loan or line of credit

F&M Trust has helped thousands of your friends and neighbors in South Central PA finance the construction of their new homes. If you’re building a new home, you’ll probably want to consider one or more of three options:

  • Bridge loan or lot loan
  • Construction-only mortgage
  • Construction-to-permanent mortgage

No matter what, F&M Trust’s mortgage experts have decades of experience in helping you decide on the best financing for your new home. We’ll talk you through every step of the process, answer all of your questions, and be right by your side from beginning to end.

Helpful Mortgage Planning Tools

Mortgage Services Team

Galegallo 4799 Cropped Web
Gale Gallo
Mortgage Loan Officer NMLS #167345 Apply Now
Camp Hill Mortgage Center — Cumberland County
3907 Market Street
Camp Hill, PA 17011
Office: 717.443.4479
Email
Carbaugh Rita
Rita Carbaugh
Mortgage Loan Officer NMLS #210373 Apply Now
Memorial Square Office — Franklin County
20 South Main Street
P.O. Box 6010
Chambersburg, PA 17201
Office: 717.372.6080
Email
Marywright 4841 Cropped Web
Mary Wright
Mortgage Loan Officer NMLS #409276 Apply Now
McConnellsburg Office — Fulton County
100 Lincoln Way East
McConnellsburg, PA 17233
Office: 814.207.5331
Email
Kenburkholder 4860 Cropped Web
Ken Burkholder
Mortgage Loan Officer NMLS #797021 Apply Now
Camp Hill Mortgage Center — Cumberland County
3907 Market Street
Camp Hill, PA 17011
Office: 717.574.9341
Email
Kuhn Zachary
Zachary Kuhn
Mortgage Loan Officer NMLS #1018659 Apply Now
Ritner Highway Office — Cumberland County
1901 Ritner Highway
Carlisle, PA 17013
Office: 717.962.7262
Email
Duggan Matthew
Matthew Duggan
Mortgage Loan Officer NMLS #1717230 Apply Now
West Washington Street Office — Maryland
83 W. Washington Street
Hagerstown, MD 21740
Office: 240.878.9373
Email
Mayberry Cr1 9161 6
Scott Mayberry
Mortgage Loan Officer NMLS #797025 Apply Now
Camp Hill Mortgage Center — Cumberland County
3907 Market Street
Camp Hill, PA 17011
Office: 717.350.9560
Email

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Applying for a Mortgage or Home Equity Line of Credit is fast, easy and secure.

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