Build Your Dream Home to Your Exact Specifications
If you have a vision for what your dream home will include, it can be frustrating when the housing market doesn’t have a home that matches your vision. A construction loan is the ideal solution that will allow you to finance and pay for the construction costs associated with building your dream home from the ground up. The construction loans at Farmers & Merchants State Bank can be used to cover things like:
- Lot purchase
- Building materials
- Labor costs for contractors
- Permits and inspections
Once your home is built, you have options. You can either pay off the loan or convert it into a traditional mortgage loan, which allows you to begin repaying the principal balance and interest over the established term.
Learn More About Construction Loans at Farmers & Merchants State Bank
If you’re interested in a construction loan from Farmers & Merchants State Bank, you can browse our current rates and start an application by visiting our mortgage web center.
Meet Our Lenders
Brad Chadwick
VP, Mortgage Loan Officer, Private Banker | NMLS ID#615931
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1470
Brad Chadwick
Brad Chadwick became a player on F&M retail team in 2007. Being successful in that role, in 2025, Brad transitioned to a new role focused on developing the Private Banking section at Farmers & Merchants State Bank. While taking on this exciting opportunity, he will continue to maintain a strong emphasis on mortgage lending to support our clients' home financing needs.
Brad said that he is fortunate to share a customer’s excitement with them during their financial milestones.
Robert Helvey
VP - Producing Mortgage Sales Manager - NMLS#: 500030
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1471
Robert Helvey
In early 2024, Farmers & Merchants State Bank proudly welcomed Robert Helvey as Vice-President of Mortgage Lending. With over 25 years in the mortgage and banking industry, Robert brings expertise in sales, operations, and underwriting. A lifelong Wisconsin resident, he’s a proven leader known for innovative solutions, customer education, and community involvement. Robert is the Past-President of the Wisconsin Mortgage Bankers Association, an Ironman triathlete, and a UW-Whitewater graduate. He’s excited to enhance F&M’s mortgage services and help customers achieve their homeownership goals.
Laura Viney
Mortgage Loan Originator NMLS#1426317
Division: Mortgage Lending
Location: Lake Mills
Phone: (608) 655-1780
Laura Viney
With over 10 years of lending experience, Laura specializes in guiding first-time homebuyers through the process and navigating complex underwriting guidelines. A proud Deerfield resident, Laura uses her local expertise to provide personalized mortgage solutions. Outside of work, Laura enjoys watching the Green Bay Packers, spending time with her family, and exploring the great outdoors, making her a valuable addition to the F&M team.
