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Farmers & Merchants Bank Homepage

Neighborhood houses

Mortgage Loans

Home Purchase

The minimum down payment for a home purchase loan will vary by loan type. The normal down payment required is 10% of the purchase price (or appraised value) of the property.

Refinance Home Loans

Refinance your existing mortgage loan at a lower interest rate. The maximum loan amount available is determined by the appraisal of the property and normally limited to 90% of the value.

Home Equity Loan

Use the equity in your home to make home improvements, purchase a vehicle, pay college tuition or almost any other purchase. You can borrow up to 90% of the equity in your home with a second mortgage.

Home Equity Line of Credit

We offer a variable rate line of credit up to 90% of the equity in your home. Monthly payments are based on the monthly accrued interest.

New Construction Loans

We can help you build your dream home. We offer a straight line of credit which is accessed when you need it during the construction of your home. Borrow up to 80% of the total cost of your home construction project and pay interest only on the money, only as you need it.
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New & Used Vehicles

Offering attractive interest rates and flexible payment terms on auto, snowmobile, camper, motorcycle, ATV and boats!
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Easy to use accounts

We offer a range of different checking accounts designed for businesses small or large.
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Looking to Get Involved?

It’s important to us to be involved in bettering our towns and surrounding communities. See what we’ve been up to or join in on the next event! Community Involvement.