Farmers and Merchants Bank's mortgage loans can make dreams of owning a home a reality. The bank provides a seamless application process, and a quick loan decision. FandM will help customers become informed buyers, so they can better choose a mortgage that will meet their needs. FandM bank offers home purchase loans, pre-approvals, refinancing existing loans, first-time home buyer loans, vacation second-home loans, owner and non-owner occupied property loans and loans for income properties 2-4 units. Applying is easy, rates are competitive, and the process is quick. All loans require credit approval. Terms and conditions may vary.