Build Your Dream Home to Your Exact Specifications
If you have a vision for what your dream home will include, it can be frustrating when the housing market doesn’t have a home that matches your vision. A construction loan is the ideal solution that will allow you to finance and pay for the construction costs associated with building your dream home from the ground up. The construction loans at Farmers & Merchants State Bank can be used to cover things like:
- Lot purchase
- Building materials
- Labor costs for contractors
- Permits and inspections
Once your home is built, you have options. You can either pay off the loan or convert it into a traditional mortgage loan, which allows you to begin repaying the principal balance and interest over the established term.
Learn More About the Build Now, Sell Later Loan at Farmers & Merchants State Bank
If you’re interested in a construction loan from Farmers & Merchants State Bank, you can browse our current rates and start an application by visiting our mortgage web center.
Meet Our Lenders
Robert Helvey
VP - Producing Mortgage Sales Manager
NMLS: 500030
Division: Mortgage Lending
Location: Waterloo Office
Phone: (608) 655-1471
Robert Helvey
In early 2024, Farmers & Merchants State Bank proudly welcomed Robert Helvey as Vice-President of Mortgage Lending. With over 25 years in the mortgage and banking industry, Robert brings expertise in sales, operations, and underwriting. A lifelong Wisconsin resident, he’s a proven leader known for innovative solutions, customer education, and community involvement. Robert is the Past-President of the Wisconsin Mortgage Bankers Association, an Ironman triathlete, and a UW-Whitewater graduate. He’s excited to enhance F&M’s mortgage services and help customers achieve their homeownership goals.
Brad Chadwick
VP - Mortgage Loan Officer, Private Banker
NMLS: 615931
Division: Mortgage Lending
Location: Marshall Office
Phone: (608) 655-1470
Brad Chadwick
Brad Chadwick has been a valued member of Farmers & Merchants State Bank since 2007, bringing over 23 years of experience in the banking industry. With a strong focus on lending, Brad takes pride in helping individuals, families, and businesses navigate the loan process, ensuring they have the financial tools needed to achieve their goals. His expertise spans home purchases, refinancing, construction loans, and business lending, making him a trusted resource for his clients.
Beyond his dedication to banking, Brad has a deep commitment to giving back to the community. He is an active member of the Marshall Area Business Association (MABA), where he collaborates with local business leaders to foster economic growth and strengthen community ties.
Outside of work, Brad enjoys spending quality time with his wife, taking memorable trips to Hawaii, and making the most of life with his friends. At home, he shares his time with his beloved cats, who add plenty of personality to his days.
