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Mortgages

Welcome to Farmers-Merchants Bank. We look forward to putting our mortgage services to work for you!

At Farmers-Merchants Bank, we understand that a mortgage transaction is one of your most important financial decisions. Whether you are building, buying, refinancing, or consolidating debt, our highly talented and experienced Loan Officers will take time to meet with you in person to understand your needs, and provide the best products and service available to make the transaction as simple as possible. For those with a busy lifestyle, we offer the ability to apply from the comfort of your home or office, or by using our online application tool.

For assistance with the online application, please contact us at 309-584-4146 in Joy, Illinois, or 217-379-4343 in Paxton, Illinois.

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Purchasing a new home or refinancing?

Congratulations on your decision to buy a new home or refinance your current home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Our team of loan officers is ready to assist you in finding the right fit for your financial plans. Learn what to expect with these Home Purchase Basics and help make better choices along your path to owning a home.

Applying for a loan?

Our mortgage experts are ready to meet you in person, at a time convenient for you, to get you started. Additionally, our online application process is available for you 24/7, and is conveniently designed to allow you to stop any time and pick up where you left off. And after you submit an application, you can check loan status at your convenience.

Building or remodeling?

If you are planning on building your dream home or remodeling your current home, you can contact one of our mortgage professionals who will help find the right loan to fit your financial needs.

Financing Available

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