Homeownership starts here. Buy a place to call your own with the help of local lenders that know both the market and you.

Key Features

  • Competitive Rates
  • Local Processing
  • Refinancing Available
  • Competitive fixed and variable rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Variety of financing programs available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-qualification for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

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.

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability to make monthly mortgage payments in accordance with the "workout".

If you are interested in exploring these options, please call F&M Bank at (800) 552-6796 and ask to speak with a representative from the Special Assets Department.

Information we will request from you includes, but may not be limited to, your most recent pay stub and a completed Mortgage Debt Restructure form (which will be mailed to you).

You may also contact the Department of Housing and Urban Development (HUD) to find a HUD-certified housing counseling agency by calling (800) 569-4287. Additional information is made available by HUD on its website at http://www.hud.gov.

Other Foreclosure Resources

At F&M Bank we are committed to providing you with the highest level of customer service while complying with all applicable laws and regulations. This is why the Bank and all of our mortgage loan originators are registered with the Nationwide Mortgage Licensing System & Registry (NMLS), and comply with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act).

For a list of our mortgage loan originators and their NMLS registration numbers, please call us at (800) 888-1498.

NMLS ID# of 435145

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

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.

For loan information requests or to assert a loan error, please contact us at the above address.

This information is effective 4/1/2021 and subject to change anytime without notice.