Thanksgiving Day Closure Notice:

To celebrate Thanksgiving, our branches will be closed on Thursday, November 27th. We will reopen with normal business hours on Friday, November 28th. You can always manage your accounts 24/7 using our Online Banking or Mobile App.

Skip to Content
Close Icon

Online Banking Login

Category: Buy and Selling Your Home

Person holding smartphone with illustration of home and percentage icons with down arrows
Is Your Mortgage Rate Still 7%… or Higher? Why 2025 Might Be the Perfect Time to Refinance in Southern Wisconsin

Refinance smarter in 2025. See current Wisconsin rates and learn how homeowners in Lake Mills, Waterloo, and Marshall are saving big.

Read Full Post
The Homeowner’s Guide to Property Taxes and Home Insurance: What to Know Before (and After) You Buy 
The Homeowner’s Guide to Property Taxes and Home Insurance: What to Know Before (and After) You Buy 

If you’re a first-time buyer or just need a quick refresher, find out what every homeowner should know about insurance and property taxes.

Read Full Post

financial literacy, homeowners insurance, property taxes

6 Steps to Buying a Home
6 Steps for Buying a New Home

Your Path to Homeownership: F&M Bank's Simple Guide Dreaming of a place to call your own? Farmers and Merchants State Bank is here to simplify your journey to homeownership. Let's break down the process into six straightforward steps that make achieving your dream home a breeze.  1. Determine How Much Home You Can Afford:  Before

Read Full Post

Connect With Us

Apply Online

Apply Online

Call

Call

Meet with Us

Meet with Us

Home Loans

Home Loans