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MORTGAGE

Dream. Do. Redo. On your terms.

Let’s find a home mortgage loan to match your dreams.

Choose from fixed- or adjustable-rate mortgages (ARMs) or FHA, VA and Rural Development (USDA) mortgage loans.

FIXED-RATE MORTGAGES

Lock into a fixed-rate mortgage if you think you’re there to stay and want regular monthly payments. We offer 15-, 20- and 30-year mortgage rates.

ADJUSTABLE-RATE MORTGAGES

Think ARM if you plan to move in a few years or want lower monthly payments upfront. Ours offer fixed rates for seven or 10 years, then adjust yearly.

FHA & VA MORTGAGE LOANS

These federally backed programs help a wider range of buyers realize their home ownership dreams. Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5%. VA loans offer low mortgage rates to Servicemembers, Veterans and eligible surviving spouses.

RURAL DEVELOPMENT MORTGAGES

Backed by the U.S. Department of Agriculture (USDA), rural development mortgages promote home buying in rural or sparse suburban communities. No down payment and low mortgage insurance rates make them an affordable option.

FREDDIE MAC HOME POSSIBLE® MORTGAGE

This innovative conventional mortgage loan puts the dream of home ownership within reach for low-to-moderate homebuyers. Home Possible borrowers can finance a home with a down payment of as little as 3%. Competitive pricing and flexible terms make it affordable and attainable.

FREDDIE MAC HOMEONE® MORTGAGE

Like Home Possible, Freddie Mac’s HomeOne program lets you put down just 3%. The difference? It’s for qualified first-time homebuyers and no cash-out refinance mortgage borrowers only. Even with less than perfect credit, you can still realize the benefits of homeownership.

Help with down payments

 
Ready to buy but not ready to put down 20 percent? See if you qualify for a Downpayment Assistance Program. Welcome Home Program is an annual grant from the Federal Home Loan Bank that provides low- to moderate-income homebuyers with funds toward a down payment. Community Housing Improvement Program (CHIP) grants help low- to moderate-income buyers improve affordable housing. Contact CHIP at (419) 784-3882 for more information. 

ALL MORTGAGE FEATURES & BENEFITS

  • Free pre-approval for added confidence in your financing
  • Competitive interest rate mortgages for purchase or refinance
  • Flexible repayment terms
  • Loans for primary residence, second homes and more
  • Wide range of financing programs available
  • Helpful lenders with working knowledge of the local market
  • Quick local decisions and loan processing

First-Time Homebuyer Program

Looking to purchase your first home? Our first-time homebuyer program offers several affordable loan options to help you achieve your dream of homeownership. Contact your local F&M lender today for more information.

What’s it like banking with us? See for yourself.

Meet our Home Loan Team

Whether you’re searching for your dream home or ready for a remodel, our experienced team will tailor a solution to your unique situation.

Casey Robbins

AVP | Home Loan Originator

NMLS ID #1666643

260.296.0562 crobbins@fm.bank

Chris Coy

AVP | Home Loan Originator

NMLS ID #1234554

419.956.2833 ccoy@fm.bank

Jeremy Davis

AVP | Home Loan Originator

NMLS ID #574300

419.494.4243 jdavis@fm.bank

Jessica Short

VP | Home Loan Manager

NMLS ID #563119 Phone Ext. 01102

419.446.2501 jshort@fm.bank

John Mezinko

AVP | Home Loan Originator

NMLS ID #1525957

419.450.6461 jmezinko@fm.bank

Josiah Shaffer

AVP | Sr. Home Loan Originator

NMLS ID #1739120

937.572.5870 jshaffer@fm.bank

Judy Heflin

AVP | Home Loan Originator

NMLS ID #413260

260.849.0406 jheflin@fm.bank

Karen Relyea

AVP | Sr. Home Loan Originator

NMLS ID #763518

419.399.7161 krelyea@fm.bank

Need us?

Find us across Ohio, Indiana and Michigan. Or right here online.

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