Mortgage Products

Here are some of the mortgage products and services youíll find at Farmers & Merchants Bank.

Contact us for more detailed information and to find out about other special programs

  • FIXED RATE LOANS - 30, 20, 15-year options (fixed rate Jumbo loans available) 
  • 100% FINANCING - including VA, VHDA, and Rural Development 
  • ADJUSTABLE RATE LOANS - rate adjustments set at 3-yrs, 5-yrs, etc.
  • FIRST TIME HOMEBUYER PROGRAM
  • LOW DOWNPAYMENT - including FHA 
  • BRIDGE LOANS Ė use this loan to transition from your current home to your new home
  • CONSTRUCTION LOANS - both construction and permanent financing available
  • INVESTMENT PROPERTY LOANS (up to 4 units)
205 S. Main St.     P.O. Box 1111     Timberville, VA 22853     (540) 896-8941