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.

Helpful Mortgage Planning Tools

Mortgage Services Team

David Bimler
Residential Mortgage/Consumer Lending Sales Manager NMLS #140187
Memorial Square Office — Franklin County
20 South Main Street
P.O. Box 6010
Chambersburg, PA 17201
Office: (717) 262-7559
David Beitzel
Mortgage Originator NMLS #491335
Ritner Highway Office — Cumberland County
1901 Ritner Highway
Carlisle, PA 17013
Office: (717) 262-7590
Gale Gallo
Mortgage Loan Officer NMLS #167345
Camp Hill Office — Cumberland County
3907 Market Street
Camp Hill, PA 17011
Office: (717) 443-4479
Rhetta Martin
Mortgage Originator NMLS #409257
Memorial Square Office — Franklin County
20 South Main Street
P.O. Box 6010
Chambersburg, PA 17201
Office: (717) 261-3567
Tin Ly
Mortgage Originator NMLS #1090770
Greencastle Office — Franklin County
518 North Antrim Way
Greencastle, PA 17225
Office: (717) 597-2931
Paul Remy
Mortgage Loan Officer NMLS #619070
Carlisle Crossing Office — Cumberland County
214A Westminster Drive
Carlisle, PA 17013
Office: (717) 962-7260
Mary Wright
Community Office Manager NMLS #409276
McConnellsburg Office — Fulton County
100 Lincoln Way East
McConnellsburg, PA 17233
Office: (717) 485-6941
Sarah Stansfield
Community Office Manager NMLS #577845
Mont Alto Office — Franklin County
8 Park Street
Mont Alto, PA 17237
Office: (717) 749-3161

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