Mortgages
Made For You

At FMS Bank, we’re your community partner in homeownership, offering competitive rates, quick local loan decisions, and personalized financing to fit your budget and goals.

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Home Financing

Select your financial calculator below to begin.

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Fixed Rate Mortgage Calculator

Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.

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Loan Information

Fixed Rate Mortgage Home Price
Fixed Rate Mortgage Down Payment
Fixed Rate Mortgage Loan Term
Fixed Rate Mortgage Interest Rate
Fixed Rate Mortgage Payment Frequency
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Fixed Rate Mortgages
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.


Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Some see borrowers.
We see neighbors-to-be.

As a community bank, we’re devoted to building communities. That means helping people just like you with home ownership. With FMS bank, you can count on competitive interest rates, a streamlined process, and quick loan decisions made locally. Our loan originators will work with you, face to face, to find financing that fits your budget and long-term goals.


Answer a few questions to get the ball rolling.

Apply Now

 

Loans To Pave
Your Future

Conventional & Jumbo Loans

First home? Dream home? FMS Bank offers fixed- or variable-rate home loans with terms up to 30 years. Turn to us for a range of refinancing options too.

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Home Equity
Loans

You’ve worked hard to build equity in your home. Use a home equity loan to for home improvements or other needs or consider a Home Equity Line of Credit (HELOC).

Learn More >

Reverse
Mortgages

We’re here for you at every stage in life. If you’re a homeowner who’s 62 or over, you can convert part of your home equity into cash, while staying in your home.

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FHA, VA &
USDA Loans

Government-backed loans can help you realize your dream of ownership. You’re in the right place. FMS Bank knows the ins and outs of FHA, VA and USDA loans.

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Specialty
Loans

Buying a multi-family dwelling? Looking to buy a lot now to build your dream home later? Ready to build that dream home? Specialty Loans can be used for many purposes, with tailored financing.

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Neighbors Helping
Neighbors

Fred T. Ruff

Branch President
& EVP

(970) 542-9960
fruff@fmsbank.com
NMLS #424210
FMS Bank NMLS #409493

Tracy Axton

Sr. Vice President,
Real Estate

(970) 978-4502
taxton@fmsbank.com
NMLS #460740
FMS Bank NMLS #409493

Jeff Morford

Sr Vice
President

(970) 542-9989
jmorford@fmsbank.com
NMLS #474099
FMS Bank NMLS #409493

Shelly K. Bristol

Sr Vice
President

(970) 542-9955
sbristol@fmsbank.com
NMLS #424211
FMS Bank NMLS #409493