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Farmers & Merchants Bank Homepage

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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Easy to use accounts

We offer a range of different checking accounts designed for businesses small or large.
 

Free Instant Issue Debit Card

It’s quicker than checks and safer than cash! Use your card anywhere Visa is accepted. Plus, have immediate access with our Real Time ATM feature. Card Services