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Mortgage

Local Lending. Local Decisions. Local People.

At Farmers & Merchants Bank, we take pride in helping our neighbors become homeowners. Whether you’re buying your first home, refinancing, or building your dream house, our experienced mortgage team is here to guide you every step of the way.

Fast, local loan decisions

Personalized service tailored to your needs

Competitive interest rates and flexible terms

Knowledge of Maryland and Pennsylvania markets

Buy a Home

A smiling family of four stands in front of their new two-story house. The father holds up a key as they celebrate, proud to have just purchased their home.

Let us help you navigate the best loan for your needs.

Get a Pre-approval. Contact one of our Mortgage Loan Officers to get the professional hands-on support you deserve.

Refinance My Home

A small model house sits on a wooden table surrounded by stacks of coins, symbolizing homeownership savings and real estate investment.

Reduce your monthly payment by reducing the current interest rate of your loan.

Although there are costs associated with refinancing your current loan, you may explore reducing the term, and the rate, saving you time and money over the life of your loan.

Use the equity in your home for many reasons. You can often get a fixed rate loan to consolidate debt, eliminate current private mortgage insurance, pay off your loan faster, and access the equity for home projects and improvements.

Build a Home

A photo of architectural plans and a 3D kitchen rendering on paper, with a pencil resting on top. The documents show detailed technical drawings and a design concept for a modern kitchen.

95% Construction financing available on primary residences.

One time closing – FIXED RATE

Financing for builder and modular homes.

Let us help you renovate or build an addition on your existing home.

Lot Purchase

A white barn sits atop a grassy hill as the sun rises or sets behind it, with a wooden fence in the foreground and horses grazing.

If you found the perfect spot to build, but not quite ready to build – let us finance the land until you’re ready for that next step.

25% down payment

25 year amortization, 3 or 5 year balloon options.

Mortgage Products We Offer

  • Fixed-Rate Mortgages: Lock in a rate and enjoy predictable payments for the life of your loan. Ideal for buyers who plan to stay long-term.
  • Adjustable-Rate Mortgages (ARMs): Take advantage of lower initial rates with flexibility to refinance later. Best for short- to mid-term plans.
  • Mortgage Refinancing: Lower your monthly payment, shorten your loan term, or access equity for renovations or debt consolidation.
  • Construction-to-Permanent Loans: Finance your custom build and automatically convert to a long-term mortgage when your home is complete.
  • First-Time Homebuyer Programs: Specialized products for first-time buyers, including lower down payments and educational resources.
  • USDA, FHA & VA Loans: Government-backed loans with flexible qualification guidelines for eligible buyers.

What Our Customers Say

“The team at F&M Bank made the homebuying process smooth and stress-free. We felt informed and supported every step of the way.”
– S. Miller, Westminster, MD

Meet Our Mortgage Team

Local Experts. Dedicated Support.

Get to know the people who will walk with you through your mortgage journey.

A smiling woman with shoulder-length blonde hair, wearing a mauve blazer over a floral blouse, stands against a plain white background.

Kim Heffner

Assistant Vice President
Mortgage Officer, Residential
NMLS #783540

Email

Ready to Make Your Move?

Connect with a mortgage expert today and take the first step toward homeownership.

Apply Now

NMLS #421562| Equal Housing Lender

Mortgage Calculators