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
Robert Helvey
VP - Producing Mortgage Sales Manager - NMLS#: 500030
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1471
Nicki Kelly
VP Consumer Banking - Director of Marketing, Mortgage Loan Officer NMLS ID#2112621
Division: Mortgage Lending
Location: Lake Mills
Phone: (920) 478-7015
Nicki Kelly
Nicki Kelly joined the F & M team during the first quarter of 2021 as Business Development Manager. She plans to provide exceptional client experience with financial solutions to meet our clients’ needs. Her goal is to inform, inspire and engage our communities by developing relationships that support our hometowns. With her focus on the client and doing the right thing, she will definitely make a positive difference as a financial Partner For Life.
She brings 18 years of legendary customer service. Her accomplishments include receiving the Rising Star of Madison Award & Hamptonality Award by Hilton.
Nicki is a local resident who grew up in our surrounding area. One of her favorite memories is going to Weiner & Kraut day with her family.
Brad Chadwick
VP, Branch Manager, Mortgage Loan Officer | NMLS ID#615931
Division: Mortgage Lending
Location: Marshall Office
Phone: (608) 655-1470
Brad Chadwick
Brad Chadwick became a player on F & M retail team in 2007. He feels that his tenure has enabled him to understand the real meaning of being Your Partner For Life. He’s helped customers open their first Custodial/Youth account and checking accounts. He’s been able to help customers purchase vehicles and consolidate debt. He has mentored customers on how credit works and literally helped hundreds with the purchase or refinance of their homes.
Brad said that he is fortunate to share a customer’s excitement with them during their financial milestones.
Laura Viney
Mortgage Loan Originator NMLS#1426317
Division: Mortgage Lending
Location: Marshall Office
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.
