Local mortgages made easy

A construction-only mortgage offers short-term financing that covers the costs of building a new home, allowing the borrower to focus on the construction phase before securing permanent, long-term financing once the project is complete.

• Funding for the duration of a home-building project, typically requiring payment of interest only during the construction phase
• Permanent financing, giving the flexibility to shop for the best long-term mortgage rates and terms

A lot loan provides the necessary financing to purchase a vacant piece of land, offering buyers the flexibility to plan and develop the property according to their vision and timeline.

• Opportunity to secure land for future development or investment
• Flexible terms tailored to accommodate the unique aspects of raw land purchase

Bridge loans provide short-term financing, often used
to bridge the gap between selling an existing property
and purchasing a new one.

• Get quick access to the capital you need, with short-term repayment options
• Leverage the value of your existing home to finance your next purchase

With the F&M Trust Professionals Mortgage Loan, you can buy or build a new primary residence or refinance an existing one. Low mortgage rates and flexible payment terms can help you enjoy a healthier monthly budget in your new or existing home.

• 100% financing on a home purchase or construction loan and 95% financing on a refinance
• Loans up to $1,250,000
• No down payment and private mortgage insurance (PMI) required
• Available to attorneys and medical professionals

Crafted to support qualified buyers in rural and suburban areas with zero down payment and flexible credit options, USDA loans are ideal for both first-time and repeat homebuyers.

Featuring attractive interest rates with 100% financing options available, USDA loans open the door to homeownership for eligible property types in designated locations.

•    Zero down payment options
•    Flexible credit guidelines
•    Competitive interest rates
•    Applicable to select rural and suburban properties

VA loans are created to help eligible veterans, active-duty service members, and certain military spouses purchase homes with exceptional benefits and flexible terms. With zero down payment and no private mortgage insurance required, these loans are a smart choice for both first-time and repeat buyers.

Backed by the Department of Veterans Affairs, VA loans offer 100% financing on eligible properties, making homeownership more accessible for those who have served. 

•    Zero down payment options for qualified borrowers
•    No private mortgage insurance required
•    Flexible credit guidelines
•    Competitive interest rates

Featuring lower down payments, flexible credit requirements, and competitive rates, FHA loans are ideal for first-time buyers and those with limited credit history.

With down payments as low as 3.5% and eligibility for various property types, including single-family homes and select condos, FHA loans offer greater opportunities for accessible homeownership.

•    Low down payment options
•    Flexible credit requirements
•    Competitive interest rates
•    Available for various property types