Loan Products

LowMortgage,Auto,Home EquityRates

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Auto Loans

Looking at a new or used car? Farmers & Merchants can help you get it. You can receive financing for a new or used automobile; interest rates and terms vary based upon year of vehicle and amount of the loan. We also offer refinancing so you can adjust the terms of your current loan to fit your finances. Our loan terms are flexible and can be up to 66 months!

Mortgage Loans

Ready to buy that first home or looking to upgrade? Do you need to make a home improvement or are you looking to refinance? Let us help. We offer and make fixed rate mortgages, and decisions are made right here so the process is quick and easy. Our flexible terms are set to fit your needs. Payments are made to us, so your money stays in the community. Plus, because we are locally owned and operated, you are guaranteed to always be working with someone you know and trust.

Along with our in-house mortgage products, the following are offered in partnership with a third party provider:

  • USDA Rural Development
  • VA Mortgage Loan
  • FHA Loan
  • FHA Renovation or we call it the "203k Standard"
  • FHA Renovation "203k" Streamline

Home Equity Loans (opened and closed)

At Farmers & Merchants, we offer great rates and terms on Home Equity Loans so you can take that vacation, pay for college, or make those home improvements you've been dreaming about.

Personal Loans

Need money for personal or unexpected expenses? We can help you get exactly what you need. We can even help you get that motorcycle or RV you've been dreaming about! Just call us, and we will take it from there.