Mortgage Loans

Financing a home is one of the major commitments of your life and F&M wants to make it a pleasant event.

Fixed-Rate Mortgages

• Low down payments.
• Choice of terms.
• Protection against rising interest rates.
• Automatic payments from your F&M deposit account.

Adjustable-Rate Mortgages

• Reasonable down payments.
• Periodic and lifetime rate caps.
• Rate lock-in at application.
• Automatic payments from your F&M deposit account.

Home Equity Line of Credit
Use the value of your home for a line of credit at F&M. Experience the freedom of financial flexibility by applying for a home equity line of credit for

• Home improvements.
• Bill consolidation.
• Education expenses.
• Travel expenses.

And, you can track the balance of your credit line with F&M's free online banking, E-Neighbor Banking. Property insurance may be required; consult your tax advisor regarding the deductibility of interest. Loans are subject to credit approval.

Niche Mortgage Products

• 100% financing.
• Low documentation requirements.
• Less than perfect credit.
• No income verification.
• Fixed-rate second mortgages

Contact Mortage Lenders:

If you would like more information, contact one of our Mortgage Lenders below or e-mail mortgages@fandmbank.com.

• David Edwards
  (931) 388-3145
• Shela Chessor
  (931) 388-3145
• Mike LeJeune
  (931) 486-2212

Click here to access F&M/s Monthly Home Loan Monthly Payment Calculator