Lending Services

We believe in helping our customers reach their goals and meet their needs. F&M Bank provides a variety of competitive lending products and options for both personal and commercial customers.

Secure Your Future with F&M Bank’s Loan Products

Personal Lending

Auto & More

Whether you are considering financing a car, truck, ATV, boat or other mode of transportation, talk first to one of our loan officers to learn more about the options we have for you.

Home Equity

Use one of our Home Equity products to increase and improve your home or consolidate your debt.

Bank Loans in Georgia

Commercial Lending

Business Expansion

If you would like to renovate or expand your existing business, contact one of our loan officers.

Line of Credit

You may be eligible for a commercial line of credit to help you grow your existing business. Let us know how we may help you.


We can offer you competitive options for the purchase of business or farm equipment.

Commercial Real Estate

We offer many commercial mortgage options from the construction of a new business facility to the purchase of an existing business property, and refinance of an existing real estate owned by a business.

NMLS Unique Identifier Numbers

NMLS# 646260


Debbie Barnett – #769216
Casey Jackson – #769219
Rocky Miller – #454762
Logan Denard – # 2279042
Avery Hall – #2467264


Bart Pennington – #862696
Nathan Strickland – #1026706


Stacey Carter – #2061515


Lamar Nix – #769223


Catherine Holloway – #769224
Jandi Matthews – #1933156