Farmers and Merchants Bank's loans can make customers dreams of owning a home a reality. The bank helps customers become informed buyers, so they can choose a mortgage that will meet their needs today and tomorrow. FandM bank offers home purchase loans, pre-approvals, refinancing on 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. All loans require credit approval. Terms and conditions may vary.