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At F&M Bank, our goal is to help you find your perfect home.  

Whether that means building, remodeling, or purchasing, we are here to help! 

With several loan options to choose from and fast pre-qualifications*, financing your perfect home has never been easier! 

Ready to close on your mortgage quickly?

Our lenders can provide you with a fast, local decision and help you throughout the closing process. You can get your mortgage approved in days rather than weeks!

Free Pre-qualifications*

Young family on couch holding daughter.Our mortgage professionals can also provide you with a free pre-qualification, so you can shop for your home knowing that you can afford the mortgage.

Different options for Different Needs:

We offer easy to understand explanations of each program and if you have questions regarding any of our programs, our lenders are always just a call or e-mail away.

F&M Bank offers a wide variety of options for you to choose from:

Construction loans 

Thinking about building your dream home? Our construction loans offer a 9 month interest only construction period.  Enjoy the convenience and peace of mind of working with a local bank to finance this project. Draws are handled through a local title company, giving you the additional peace of mind not having to manage it yourself.  Once your home is complete, the loan will be rewritten to a fixed rate conventional loan.  

USDA Guaranteed Rural Housing loans (Rural Development)

Receive 100% financing with a USDA Rural Development mortgage loan, amortized up to 30 years.  This option is perfect for first time home buyers with little to no down payment.  To see if you meet the income requirements, contact us today.  

WHEDA (Wisconsin Housing Economic Development Authority)**

WHEDA Conventional - Offers a competitive 30 year, fixed rate term, with up to 97% financing on purchases and refinances.  Purchase your home with little money down or refinance an existing mortgage with limited equity.  Enjoy the added peace of mind with a WHEDA backed loan. 

WHEDA First Time Homebuyer-  Offers a 30 year, fixed rate term with preferred interest rates.  Receive up to 97% financing.  Purchase your first home with little money down and the added peace of mind with a WHEDA backed loan.  

VALOR - Veterans Affordable Loan Opportunity Rate (Conventional) Product - VALOR, offers military veterans a conventional, fixed-rate mortgage with a preferred interest rate, priced below WHEDA's conventional loan.  This is a limited time program and mortgage funds are available on a first come, first serve basis.  

Fixed Rate Mortgage Loans

A Fannie Mae backed loan with fixed rate financing.  Available with 15, 20, or 30 year options.  Up to 95% financing.  


Still need personal assistance? 

Call our Mortgage Lending Department at 608-372-2126 or email Jeff Williams.  


*Pre-qualification subject to documentation of income, assets, liabilities, and other relevant information, such as property value and title information.  All loans subject to credit approval.  NMLS ID#433987

**For WHEDA income and credit score eligibility, contact us today. Receive up to 100% financing when these WHEDA options are paired with the WHEDA Easy Close or WHEDA Capital Access Advantage Products. visit for more information.