Want a sweet home in Alabama? We have the key.


Friendly towns or family farm, solid brick or vintage wood and raised ranch or sprawling two-story, in our part of Alabama, great homes come in many styles, sizes and settings. At Farmers & Merchants Bank, NMLS # 410832, home loans come in almost as many varieties. Whether you want stable monthly payments, a low initial interest rate or a smaller down payment, our mortgages can open the door to your dreams.

Fixed-Rate Loans


  • Various terms available
  • Stable interest rates for life of loan makes budgeting easier
  • Competitive rates and low closing costs

Adjustable-Rate Loans


  • Lower interest rates for a certain number of years
  • Rates may change annually after time period ends
  • Loan guidelines limit size of rate increases

Federal Housing Administration (FHA) Loans


  • Down payments can be as low as 3% of home's cost
  • Relaxed income and credit requirements
  • Ideal for first-time homebuyers
  • Fixed-rate and adjustable rate loans available

USDA Loans


  • Geared toward buyers who want to live in rural areas
  • Down payments as low as 0%
  • Below market interest rates

VA Loans


  • Active military, veterans and reservists are eligible
  • Reduced down payments
  • Low closing costs
  • No mortgage insurance required

Refinancing


  • All of the above loan programs and types have refinancing options
  • Reduce your monthly payments
  • Pay off your debt faster
  • Use home equity to get extra cash for remodeling or purchases

Need some assistance? We're always happy to help

When you're out house hunting, you probably have a lot of questions for the real estate agent or builder. We predict you'll have just as many questions when you apply for your mortgage. Our mortgage specialist, Maryann Gendron, NMLS # 1067951, is eager to help you any way she can. You can reach her at 256.447.3656 or maryann.gendron@fandm.bank.

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