About

Flexible Home Mortgages From People Who Care. F&M Mortgage works with builders and home buyers directly to ensure a seamless and user-friendly construction loan process, helping you and your clients build dreams into reality. Our unique Approved Builder Modular Construction Loan Program minimizes your construction loan costs and offers low down payment options to qualified borrowers. F&M Mortgage and our parent company F&M Bank will handle both the permanent financing and the construction funding. We will work closely with your builder to help ensure a smooth process.