Our mortgage specialists offer clear advice and customized options to simplify your home loan and optimize your finances.
F&M Trust deposit products
MORTGAGES
Let's get you home
Find a location near you
Mortgage Specialists
Meet our experienced mortgage professionals, committed to helping you secure your home with personalized solutions and expert guidance every step of the way.
Rita Carbaugh
Senior Mortgage Loan Officer | NMLS#210373
Mary Wright
Senior Mortgage Loan Officer | NMLS#409276
Richard Scott
Senior Mortgage Loan Officer | NMLS#363965
Katie Rittel
Senior Mortgage Loan Officer | NMLS#576782
Matthew Duggan
Mortgage Loan Officer | NMLS#1717230
Get a Head Start With Our Mortgage Planning Tools
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.
EXPLORE MORE BANKING SERVICES
Personalized Solutions for a Better Financial Future
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
Checking solutions designed to fit your needs for a better banking experience.
Savings
Savings made simple to achieve your short-term and long-term goals.
Debit Cards
Easy access to your money with rewards on everyday purchases.
Credit Cards
Choosing the right credit card for your needs is easier than ever.
Mortgages
Feel at home with the right mortgage for you and your family.
Home Equities
Put the equity in your home to good use with quick-access funds for flexible borrowing.
Lines of Credit
Access funds on your terms when you need it the most.
Wealth Management
Plan for your future at any stage with trusted advice and tailored solutions.
Mortgages
You can apply in person at any of our community offices or using our online application process.
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.
We offer a variety of consumer and personal loans including home equity loans and lines of credit, second mortgages, mobile homes, travel trailer, camper, RV, motor home, boat, motorcycle, snowmobile, ATV, lawn & garden equipment, and other unsecured.