Home lending to build a sense of community.
We would be proud to call you neighbors. Let FMS Bank help with a range of home lending solutions, tailored to your budget and financial goals.
![](https://fmsbank.com/wp-content/uploads/2020/09/KEYS_gettyimages-871136740-2048x2048.jpg)
Conventional Loans
We take an unconventional approach to conventional home loans. We do everything we can to get to yes.
- Primary or secondary residences, or rental property
- Up to 30-year terms
- Fixed- or variable-interest rates
- Quick decisions, made locally
- Loan processing under one roof
Jumbo Loans
If the home you want has a bigger price tag, you want a partner who knows jumbo loans. Rely on FMS Bank.
- Primary or secondary residences, or rental property
- Purchase prices that fall outside Fannie Mae or Freddie Mac guidelines (which differ by county)
- Up to 30-year terms
- Fixed- or variable-interest rates
Home Refinancing
Interest rates in your favor? Take advantage of low rates and refinance – even consider a cash-out refinance.
- Primary or secondary residences, or rental property
- Save with a lower monthly payment or shorter loan term
- With sufficient equity, a cash-out refinance makes cash available for home improvements or other needs
- Up to 30-year terms
- Fixed- or variable-interest rates
- Quick decisions, made locally
- Loan processing under one roof
![](https://fmsbank.com/wp-content/uploads/2020/04/fms-bank-community-icon.png)