Mortgage Loans Tailored to You
You put a lot of effort into finding the right home for you and your family. You search the listings online, attend open houses, schedule showings and work tediously to make sure the home has everything you’ll need. But do you put as much thought and effort into choosing your mortgage lender? At Farmers & Merchants State Bank, we take great pride in being a community mortgage lender. We can handle all elements of your home loan right in our office, from pre-approval to closing. We’ll work with you to discuss your options, and you can rest assured that all decisions related to your loan are made by our lenders in our offices. If you’re ready to experience the difference in working with a local mortgage lender, visit our Mortgage Web Center to get a personalized quote.
Today's Mortgate Rates
30 Year Fixed Rate - Serviced by F&M State Bank - Conventional
| Rate | APR | Points | 6.875% | 6.971% | 0% |
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20 Year Fixed Rate - Serviced by F&M State Bank - Conventional
| Rate | APR | Points | 6.625% | 6.749% | 0% |
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15 Year Fixed Rate - Serviced by F&M State Bank - Conventional
| Rate | APR | Points | 6.250% | 6.403% | 0% |
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Home Equity Line of Credit Special - Home Equity
| Rate | APR | Points | 6.750% | 6.750% | 0% |
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Our Home Loan Offerings
Loan Type | What You Need to Know |
|---|---|
Fixed-Rate Mortgage | This loan maintains the same interest rate throughout the loan’s entire term. Fixed-rate loans are ideal for borrowers who intend to stay in their home for more than 10 years and want the security of a consistent monthly payment. |
Adjustable-Rate Mortgage | This loan maintains a fixed interest rate for the initial term, and then the rate is subject to fluctuations moving forward. It is an ideal choice for borrowers who intend to live in their homes for less than 10 years. |
Home Loan Refinance | Refinancing your loan allows you to take advantage of lower interest rates than when you initially applied for your loan. A refinance can reduce the amount of interest you pay over the term of your loan while also potentially reducing your overall term and the amount of your monthly payment. |
Home Equity Loan | A home equity loan allows you to use your home’s built-up equity as a lump sum loan. You’ll receive the full amount of the loan upfront, and then make fixed payments each month. |
Home Equity Line of Credit | This solution allows you to use your home’s equity as a revolving line of credit. You draw on the funds as needed. As you pay the amount back, it then becomes available for future borrowing. |
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.
