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.

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.

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


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