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Hometown Community Bank

Residential Mortgages

Your home can be your most valuable asset.

Whether you are a first-time buyer, looking to upgrade or remodel, thinking of building or just want to put the equity in your home to work for you, let our experienced loan officers find the mortgage product for you.

First and Second Mortgages

F&M can offer you fixed rates for a variety of terms. These in-house loans can finance up to 80% of the appraised value of your home.

Construction Mortgages

Looking to build your dream home? One of the few lenders in our area offering construction mortgages, we offer competitive rates and terms that can help make your dream home a reality.

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!

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%.

To view information about your mortgage loan originator, go to NMLS Consumer Access and enter the NMLS ID number for your mortgage loan originator listed:

  • 498624 - Amy C. Baier
  • 498628 - Douglas John Daub
  • 1623208 - Bracey J. Lerner
  • 498627 - Paul Pieschel

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

Financial Calculators