Use the equity in your home to remodel, pay for college, or cover other major expenses. It is one of the easiest ways to get the money you need to do the things you want.

Our well trained lending professionals are ready to help.

• Competitive Rates: Fixed & Variable.

Rate and terms subject to change anytime without notice. Please ask about our current rates and terms.

For information about F&M Bank mortgage loan originators click here.

Mail Loan Payments to:

F&M Bank

Loan Service Center

P.O. Box 3000

Lodi, CA 95241-1902

Payments received before 5pm Monday through Friday are credited on the date received. Automatic payments are processed on the loan due date or prior business day if on a weekend or holiday.

To request a demand for payoff, call us at (800) 552-6796 during regular business hours, M-F 8am-5pm PST.

For more information visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you.

Farmers & Merchants Bank of Central California Member FDIC. Equal Housing Lender.