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

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

  • FIXED RATE LOANS - CONFORMING
  • FIXED RATE LOANS - JUMBO
  • ADJUSTABLE RATE LOANS
  • FIRST TIME HOMEBUYER programs available
  • INTEREST ONLY option available
  • 103% FINANCING – no down payment required, and up to 3% to fund your closing costs
  • BRIDGE LOANS – when you purchase a new home before your first one is sold
  • CONSTRUCTION LOANS
  • INVESTMENT PROPERTY LOANS (up to 4 units)
    UP TO 90% NON-OWNER OCCUPIED
    (Other investment property loans are available through our Commercial Lending Dept.)
  • EXTENDED RATE LOCKS – the standard time is 60 days; we can offer longer time frames to lock in an attractive interest rate while your loan is in process
  • NO INCOME DOCUMENTATION LOANS – if gathering documentation regarding your income seems an overwhelming task, we have an option where income documentation is not required. A great option for some self-employed borrowers.

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