For Current F&M Loans

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

Other Foreclosure Resources