Borrowing Money

At F&M Trust, we have the right solutions to your borrowing needs - buying a car, purchasing a home, making home improvements, or consolidating a number of smaller debts. We'll help match the loan that best meets your individual needs. Whether you're looking for a small loan for a short duration, longer-term funds for a home, or perhaps a line of credit for future access - we have the services and can suggest ways for you to bank that are convenient and add value.


Mortgages -- Whether you are buying your first home, refinancing an existing mortgage, building a new home, or moving up to a larger home, you can count on F&M Trust’s mortgage lenders. They will assist you every step of the way with expert advice and professional service. We believe that your mortgage should be as comfortable as your home. So we offer fixed and variable interest rate mortgages, first time homebuyer mortgages and special program mortgages to meet your needs.


Home Equity Loans and Lines of Credit -- Your home represents one of the best investments you can make, one that you can borrow against in a time of need or great opportunity, using the equity that you've accumulated. Because Home Equities are secured by your home, they offer tax advantages. Interest paid is generally tax-deductible, which could save you money compared to interest paid on other consumer loans and lines of credit. However we advise that you consult with your tax adviser regarding the deductibility of interest.

F&M Trust offers both fixed rate Home Equity Loans and variable rate Home Equity Lines of Credit depending upon your needs. They are available in loan amounts from $10,000-300,000 on single family residences, owner occupied 1-to-4 family properties, and condominiums.


Personal Line of Credit -- With a Personal Line of Credit you may never have to apply for a small loan again. Anytime you need money, just write yourself a loan by using your Personal Line of Credit checks.


Credit Cards -- F&M Trust offers VISA and American Express credit cards with a variety of features and options for you to choose from - making it easy to select and apply for the card that best meets your needs. Our cards feature competitive pricing, a full range of reward options and online access.


Auto Loans -- Make auto ownership fast and easy with the convenience of direct financing on a fixed rate loan for up to 6 years. Available on new or used cars and light-duty trucks.


    All Loans Subject to Credit Approval.

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