Home Mortgage Loans

Home Mortgage Loans

The keys to your dream home are within reach

Our team can help you reach your goals with affordable rates and flexible terms catered to your unique situation. You’ll also receive personalized service from our local experts, as well as a quick decision.

Benefits

  • Competitively low rates for home purchase or refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of financing programs available:
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages (ARMs)
  • FHA & VA Mortgages
  • Rural Development Mortgages (USDA)
  • Budget-friendly repayment terms, unique to your situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Detailed, attentive service from start to finish

Current Rates

  • Program
  • 30 Year - Purchase
  • 30 Year - Refinance
  • 20 Year - Purchase
  • 20 Year - Refinance
  • 15 Year - Purchase
  • 15 Year - Refinance
  • Rate
  • 3.375%
  • 3.375%
  • 3.250%
  • 3.250%
  • 2.625%
  • 2.625%
  • APR
  • 3.398%
  • 3.398%
  • 3.335%
  • 3.335%
  • 2.726%
  • 2.726%
  • Points
  • 0
  • 0
  • 0
  • 0
  • 0
  • 0
  • Payment
  • $884.19
  • $884.19
  • $1134.39
  • $1134.39
  • $1345.38
  • $1345.38
ProgramRateAPRPointsPayment
30 Year - Purchase3.375%3.398%0$884.19
30 Year - Refinance3.375%3.398%0$884.19
20 Year - Purchase3.250%3.335%0$1134.39
20 Year - Refinance3.250%3.335%0$1134.39
15 Year - Purchase2.625%2.726%0$1345.38
15 Year - Refinance2.625%2.726%0$1345.38

Home Loan rates are updated daily.

The Annual Percentage Rates above are based on:

  • A loan amount of $200,000
  • A Loan to Value of 80%
  • Points disclosed
  • A FICO score of 740
  • A rate lock period of 60 days
  • Payment of certain customary fees at closing
  • Automatic payment taken out of a F&M deposit account
  • A single family, primary residence, with no secondary financing

All loans are subject to a credit approval and receipt of a property appraisal demonstrating sufficient value. Interest rates and fees are subject to change without notice.

Apply Online or Contact a Lender

Home buying can be stressful, which is why we oversee the mortgage process so you can finance the right home. From bridge loans to adjustable rate mortgages, we have plenty of options for your unique financial situation.

Apply Online Find a Lender

Downpayment Assistance Programs: Welcome Home Program & Community Housing Improvement Program (CHIP)

Welcome Home Program

A grant from the Federal Home Loan Bank usually available from March through May, or until all funds have been advanced. Designed to target low to moderate income Ohio families by providing $5,000 toward the purchase of a home.

Community Housing Improvement Program (CHIP)

A grant through the state of Ohio administered by Maumee Valley Planning Commission. Contact CHIP at (419) 784-3882 for more information.