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.

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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).

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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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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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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

Meet our loan originators. Our experienced team takes the hassle out of home buying, with fast turnarounds since everything is processed under one roof.

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