Farmers & Merchants Bank
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Consumer Loans

Want a lower interest rate? Let us give you the convenience of making your loan payment from your deposit account automatically and we'll lower your rate by .50%! No kidding! Ask us if your loan qualifies.

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  • Auto Loans, New and Used - Our auto loans fit your auto needs! The flexible terms and competitive rates on F&M auto loans are sure to get you behind the wheel of the vehicle you've been wanting!
  • Personal Loans - Sometimes things happen and you just need some cash. Check with us for rates and terms for installment loans or single-pay loans. We even offer special rates and terms just for Christmas!
  • Recreational Vehicles - F&M can finance that boat, snowmobile, trailer or any type of recreational vehicle for which you've been looking. We offer payment plans that fit your cash flow and flexible terms.
  • Line of Credit Overdraft Protection - Access to money just because you need it! F&M offers a Ready Reserve program to qualifying checking account holders. It's like a personal line of credit that kicks in when your account is running short. Ready Reserve can keep your account from becoming overdrawn and can give you personal peace of mind. Interest will accrue on a line of credit balance. It's a great value added feature! See if you qualify!

Contact an experienced loan officer
Farmers & Merchants loan officers are experienced, knowledgeable and have the know-how it takes to answer all of your loan related questions. Contact F&M to help you make an informed loan decision. We want to help!

Skip A Loan Payment - (Get Adobe Acrobat Reader® software to view the form. It's free!)
It is as easy as printing the form and completing it. You may mail it, fax it, or bring it in. If you are unable to print from your computer, we will mail you one-just contact us.

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Residential Real Estate

  • First and Second Mortgages - F&M can offer you fixed rates for a variety of terms. These in-house loans can finance up to 75% of the appraised value of your home.
  • Home Equity Lines of Credit up to 89%! - This popular program allows you to borrow up to 89% of the current appraised value of your home. With an F&M HELOC, you can use our Web Advance system that puts YOU in control. Using the power of the Internet, you can access your HELOC loan and borrow what YOU want, when YOU want! HELOC statements are available through Internet Banking when you sign up for Online Statements.
  • Secondary Market Access - Our home lenders work with a number of secondary market providers that can offer flexible term real estate loans.
  • Rural Housing Program - This government-sponsored program allows qualifying rural loan applicants to purchase homes in designated areas and borrow up to 100%.
  • Minnesota Housing Finance Agency Loans - This State-sponsored program allows qualifying applicants to make home improvements and/or repairs at favorable rates and terms.

To view information about your mortgage loan originator, go to www.NMLSConsumerAccess.org and enter the NMLS ID number for your mortgage loan originator listed below:

498624  Amy Baier

498625  Clayton Beyer

498628  Douglas Daub

498626  Richard Eilders

498627  Paul Pieschel

498629  Marlin Schultz
 

Contact an experienced loan officer
Farmers & Merchants loan officers are experienced, knowledgeable and have the know-how it takes to answer all of your loan related questions. Contact F&M to help you make an informed loan decision. We want to help!

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Agricultural Loans

  • Livestock Financing - We are the leader in livestock financing in our area. We can help the hobby farmer, the corporate livestock feeder and most everyone in between. We work with livestock feeders on marketing, hedging and cash flows.
  • Operating Loans - F&M utilizes an 8-tiered risk rating system to price its operating lines of credit. This variable rate system gives you credit for your financial progress, your past performance and management ability. Qualifying operators can even borrow on their lines of credit via the Internet with F&M's Web Advance system. This puts YOU in control.
  • Machinery & Equipment Loans - We offer competitive rates and flexible terms on machinery loans. Your repayment schedule will coincide with your unique cash flow.
  • Agricultural Mortgages - Our in-house, farmland expansion loan program allows qualifying borrowers to purchase, refinance or improve farmland at today's market rates.
  • Special Farm Programs (FSA Guaranteed or State RFA Loans) - F&M has extensive experience working with these government-sponsored programs. They can help a farmer get started, expand or provide operating funds. 
  • Livestock Facility Loans - We can help livestock producers and feeders of all sizes start, update or expand their current livestock facilities. Check with one of F&M's experienced agricultural loan officers to find the loan with terms and rates that are right for your operation.

Contact an experienced loan officer
Farmers & Merchants loan officers are experienced, knowledgeable and have the know-how it takes to answer all of your loan related questions. Contact F&M to help you make an informed loan decision. We want to help!

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Commercial Loans

  • Operating Loans - F&M utilizes an 8-tiered risk rating system to price its operating lines of credit. This variable rate system gives you credit for your financial progress, your past performance and management ability. Qualifying operators can even borrow on their lines of credit via the Internet with F&M's Web Advance system. This puts YOU in control.
  • Machinery & Equipment Loans - We offer competitive rates and flexible terms on machinery and equipment loans. Your repayment schedule will coincide with your unique cash flow.
  • Commercial Mortgages - Our in-house program allows payment schedules up to 20 years. We are familiar with market values in our area and can set up a fixed rate or variable rate mortgage for you.
  • SBA Programs - Our lenders have access to the Small Business Administration menu of programs. These programs allow qualifying borrowers to start, improve or expand their business.

Contact an experienced loan officer
Farmers & Merchants loan officers are experienced, knowledgeable and have the know-how it takes to answer all of your loan related questions. Contact F&M to help you make an informed loan decision. We want to help!

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