Mortgage Services

We offer fast and friendly service that is easy as 1, 2, 3. 
Simply call us at 803-496-5945 or 843-719-5518

    Since 1912, F&M Bank of SC has remained a strong driving force in our community and prides itself in being a local, independent financial institution which desires to serve each customer as an individual. 
    Our mission is to carefully guide clients through the entire home
loan process so that they feel confident as they make choices about the many options available for their financing strategy.
    Maybe your're a first time home buyer or an experienced veteran looking to refinance your home.  You could be gazing at the blueprints of your new home construction project.  All that is left to do is find the right mortgage company.  Farmers and Merchants Bank of SC, wants to "Build a Future With You."

WE OFFER THE FOLLOWING:

• Conventional 10, 20, 30, & 40 year FIXED rates.
• Interest Only Loans
• 97% financing to qualified buyers
• Special financing for teachers, police officers, and medical workers
• Special programs for first time home-buyers
• Home Equity Lines of Credit
• Self-employed? - Okay!

With many years and a wide range of experience in the mortgage industry, we stand ready to assist you, our customer, each and every step of the way!

SPECIAL FEATURES:

• Manufactured Homes up to 85% of the appraised value (certain restrictions apply)
• True Modular Homes allowed and priced as site built home
• Stated Income/No Doc Loans/No Ratio Loans (Subject to change)
• Fast pre-approvals as we use Fannie Mae and Freddie Mac's Automated Underwriting Technology to determine credit decisions within minutes!