loan services


real estate loans

Tired of renting and having nothing to show for it. Farmers-Merchants National Bank can tailor a real estate loan for you. Our competitive rates, personal service, wide variety of financing options, and quick approval process makes all of your home purchases or refinancing simple and convenient.

Real Estate terms to fit your needs:

Fixed rate mortgages, amortized up to 30 years
20% down payment eliminates mortgage insurance.
1, 3 or 5 year adjustable rate mortgages, amortized up to 30 years with rate change as long as every five years. Where do you plan on being in five years? Perhaps an adjustable rate mortgage is right for you.

Call us toll free at 888-379-4343 for current interest rates.


second home - We can help you finance your summer home. A fixed-rate or adjustable rate-mortgage is available.

Call us toll free at 888-379-4343 for current interest rates.


first time home buyer

It is hard to save up for a down payment for the first home. You may qualify for a loan for the full purchase price of the home plus closing costs. Let us pre-qualify you for the mortgage loan so you can begin house shopping.

Call us at 888-379-4343 for current interest rates.


rural development mortgages

100% financing for moderate-income families. No mortgage insurance is required. Inspection of the home is required.

Call us at 888-379-4343 for current interest rates.


bridge loan

Are you building or buying a new home but still own your current home? Use the equity in your current home as the down payment on a new house you are buying or for a construction loan. Bridge loans are secured by your present home and will be paid upon the sale of the home.

Call us at 888-379-4343 for current interest rates.


construction

Make your dream come true with the home you build. Farmers-Merchants National Bank can help you finance construction of custom homes. Call us and speak to mortgage specialist.

Call us at 888-379-4343 for current interest rates.


refinancing

Do you have a big event and need a little cash, or a little event that requires a lot of cash. Perhaps you qualify for a lower interest rate. Call a mortgage specialist for more information and pre-qualifying.

Call us at 888-379-4343 for current interest rates.


home equity loans

Need money for any purpose; vacation, wedding, school? Our Home Equity Lines of Credit, a revolving open-ended line of credit secured by your home, is a great way to get you the cash you need when you need it. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an attractive interest rate. Depending on your specific situation - interest may be tax deductible.

Once you are approved, simply access your line by writing a check. No waiting. Call a mortgage specialist for more information.

Call us at 888-379-4343 for current interest rates.


student loans

Get your education loan and get on with your life. Contact us for an application or apply online at the Student Loan Finance Corp.


secured loans Interest Rates

Is it a new car or truck you want or a "like new" used or maybe even a classic or antique vehicle. It might even be that new motorcycle, boat or recreational vehicle. Call Farmers-Merchants National Bank and let us put you in that vehicle.

unsecured loans Interest Rates

Are you taking a vacation, getting married, or just need a little extra cash, call Farmers-Merchants National Bank and let us help. We have personal loans starting as low as $500 with flexible repayment terms.





Farmers-Merchants National Bank Disclosures

Photographs by Larry Kanfer Photography, www.kanfer.com