Real Estate Loans

When you are looking at buying or improving real estate, it helps to have a banker to help you with the process. At Farmers & Merchants Bank, we make all our decisions locally – right here at home. You talk directly to the decision maker, so lending decisions go deeper than the numbers.

Mortgage Loans


We are proud to serve Screven and the surrounding counties with home mortgage loans at competitive rates.

Purchase, Refinance, or Improve your dream home with flexible terms.

We work with all types of non-conforming properties, investment properties, smaller acreage, rural homes, and more. We evaluate each property and situation to custom build a loan just for you.

Land and Lot Loans


Our land and lot loans offer a variety of options to assist you in obtaining that special piece of property you have always wanted.

Home Construction Loans


Our construction loans provide options for building your dream home.

Manufactured/Mobile Homes with Land


We offer competitive rates and terms for mobile home financing.

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