Wherever you are in life, and whatever your needs, we work for you to find the best solution for you. At Farmers & Merchants Bank, we make all our decisions locally – right here at home. We work with you directly so lending decisions go deeper than just numbers.

Mortgage Loans

Purchase, refinance, or improve your dream home with flexible terms.

We work with all types of non-conforming properties, investment properties, smaller acreage, rural homes, and more. We evaluate each property and situation to custom build a loan just for you.

Land and Lot Loans

Our land and lot loans offer a variety of options to assist you in obtaining that special piece of property you have always wanted.

Home Construction Loans

Our construction loans provide options for building your dream home.

Manufactured/Mobile Homes with Land

We offer competitive rates and terms for mobile home financing.