F&M Mortgage

Veronica has partnered up with Derek Chaudhuri at Kline May Realty to provide free first-time homebuyer seminars.

"The first step in finding a new home is applying for a mortgage and the best time to apply is RIGHT now!" - Veronica Amato Mortgage Advisor F&M Mortgage

Monthly seminars in Harrisonburg offer guidance for first-time homebuyers Free first-time homebuyer seminars are being offered in Harrisonburg. The workshops are designed to educate potential first-time buyers about homeownership, debunk myths and provide insights into the real estate market.

🏠 Another Happy Homeowner Thanks to Tina Lantz, Mortgage Advisor with F&M Mortgage NMLS # 1689383! 🏠
We love hearing how our mortgage advisors go above and beyond for clients. Here's what one of Tina's clients had to say about their experience:

✨ A Job Well Done by Jon Ischinger Mortgage Advisor F&M Home Mortgage NMLS #490411! ✨

We take pride in delivering exceptional service, and Jon is no exception! Here’s what one of his recent clients had to say about their experience:

🏡 Another Success Story with Tonja Showalter, Mortgage Advisor with F&M Mortgage NMLS # 510632! 🏡
We love helping clients achieve their homeownership dreams, and it’s always great to hear their feedback! Here's what one happy homeowner had to say about their experience working with Tonja:

🌟 Shoutout to Veronica Amato Mortgage Advisor F&M Mortgage! 🌟
Another happy homeowner! Here's what one of our clients had to say about working with our team:

🏡 Jordan Branner-Mortgage Advisor at F&M Mortgage is making dreams come true! 🏡

Trust a local team of mortgage advisors who not only understand the industry, but understand your neighborhood!

Reminder! Your monthly homeowner checklist ✔️

Besides being the hottest month of the year, August is a time of transition — vacation season is winding down, and the school year is about to begin ... making it the ideal time to clean out your closet and donate any old or unwanted clothes, as most people are shopping for back-to-school outfits.

Start getting organized for the school year by adding a drop center in the entryway, organizing the kids' workspace, and creating a shared family calendar.

And don't forget to enjoy the final few weeks of summer! ☀️

Ready to shop for homes, but competition is fierce?

Accelerated Acceptance Pre-Approval can give you the competitive edge you need! It takes the traditional pre-approval to the next level. you’ll know the exact amount you can borrow that is already verified by our underwriting team. This means you can get fully credit approved before you find a property and be able to shop with confidence, present a stronger offer, and close on a property faster.

Get Pre-Approved Today: [email protected]?fromnolo=true" rel="ugc" target="_blank">https://apply.fmhome.com/homehub/signup/[email protected]?fromnolo=true

After friendly inflation readings throughout the second quarter, more Fed members are signaling they are "getting closer" to cutting interest rates, with growing odds of a cut happening at their meeting on September 18. Inflation and labor market data between now and then will play a pivotal role in this decision.

Happy 4th of July!

Wishing everyone a day filled with red, white, and blue celebrations, good food, and great company. Today we celebrate the birth of our amazing nation, where freedom and fun go hand in hand.

Wishing you a fabulous 4th of July filled with laughter, love, and plenty of fireworks!

All F&M Bank and Mortgage locations will be closed today, July 4th, 2024. Mobile and Online Banking remain available.

🇺🇸

Reminder! Your monthly homeowner checklist ✔️

The weather's warm, the sun is shining, and Summer is in full swing! ☀️ Between backyard barbecues and summer vacations, try to make some time to tackle these maintenance tasks to keep your home running smoothly.

Save this post for later and pick 1 or 2 off the list every weekend! What are you tackling first?

We are beyond thrilled to share that F&M Bank has been voted as the Best of the Valley by Daily News-Record readers! 🌟✨

This recognition holds a special place for our team because it comes from you—our community. For years, the Shenandoah Valley has come together to celebrate and honor local businesses, organizations, and people that make our region truly extraordinary. Being chosen as your favorite bank means the world to us.

Thank you for your continued support and for believing in F&M Bank.🏆

F&M Bank - Multiple Locations - Best Bank Winner

We're honored to be listed in the top five for Favorite Bank, Favorite Mortgage Company, and Favorite Financial Advisor in the News Virginian's '24 Valley Favorites contest, thanks to our amazing community! Community-driven votes mean the most to us and we're thrilled to have your confidence as the leading financial partner in the Shenandoah Valley!

Cast your vote today and every day through July 14th to support us!

Ballot-2024

WOW! I'm blown away by your kind words! Thank you so much, Caroline for taking the time to share your amazing review of my mortgage advisor services! Your trust and appreciation mean everything to me! I'm honored to have helped you achieve your homeownership dreams!

Home prices continue to rise. It remains HOT out there!

I would love to talk with you about how we can help your offer stand out in a competitive market.

Summer adventures with Sammy the Squirrel! ☀️🌳🐿️ Today, Sammy is diving deep into the world of health choices and exploring the benefits of his favorite snack, acorns! 🌰🥜 Join him on this nutty journey as he uncovers the secrets to a well-balanced diet. Stay tuned for more summer adventures with Sammy! 🌞🐿️

🎉 Always a pleasure hosting a Business After Hours event with the Harrisonburg-Rockingham Chamber of Commerce🤝🌟
Networking, great conversations, and building connections in our community. Thank you to everyone who joined us and made it a fantastic evening!

🔒 Online & Mobile Banking Available 24/7: While our physical offices will be closed, our digital tools remain accessible. Manage your accounts, transfer funds, and more through our secure online and mobile banking platforms.
Thank you for your understanding. We will resume regular business hours on Thursday, June 20th.

🥛🎉 June is National Dairy Month! F&M Bank is honored to support Shenandoah Valley farmers since 1908. 🐄🌾 Let's raise a glass of milk to the hardworking farmers who bring us delicious dairy products every day! 🥛💙

In today’s uncertain interest rate environment, many potential homebuyers are understandably hesitant to commit to a mortgage. At F&M Mortgage, we understand the importance of flexibility and peace of mind when it comes to financing your dream home. That’s why we are excited to introduce RefiShield, a game-changing solution that puts you in control of your mortgage rates.

Learn More: https://www.fmbankva.com/refishield/

The first round of F&M's 2025 Photo Calendar Contest is now live! To place a vote for your favorite images, please click "like" on each image you would like to vote for. Any other post reactions will not count towards the final tally. The voting deadline is June 30th at midnight. Happy voting!

Today, we celebrate all the incredible dads, granddads, step-dads, adoptive dads, moms who are dads, and father figures who make our lives brighter with their love and support. Happy Father's Day, and thank you for your strength, wisdom, and endless love. ♥

Reach out and remind your 'Dad' how much he means to you today and every day.

Such a fun evening with some of my F&M Mortgage crew, along with many realtors and affiliates at the Harrisonburg-Rockingham Association of Realtors Luau!

Join us next Thursday for early summer fun at our Business After Hours! 🥳

🎟 RSVP at https://chamber.hrchamber.org/events/details/business-after-hours-f-m-bank-14210

Our team shines bright like GOLD in the Harrisonburg Radio Group’s 2024 Shenandoah Valley Best contest! Thanks to the incredible support of our community, we placed gold and are honored to have your trust. Thank you for making us number one!

Reminder! Your monthly homeowner checklist ✔️

This month marks the beginning of Summer, ☀️ making it an ideal time to take care of those outdoor home maintenance tasks before the heat becomes too much!

PRO TIP: Did you know that changing your ceiling fan direction seasonally is a simple way to save money year-round? In the Summer months, make sure it moves counterclockwise to help create a downdraft, which creates that direct, cooling breeze. During the Winter months, it should move clockwise to create an updraft and circulate warm air around the room (there should be a button or small switch on the fan or on the remote).

Save this post for later, and pick 1 or 2 off the list every weekend!

The entry submission window for our 2025 Calendar Photo Contest has closed. Come back to our page on June 17th where voting will commence to select your favorite 25 images. Voting will last through June 30th, 2024.

As in years past, we received an incredible amount of photos showcasing the beauty of the Shenandoah Valley! Thank you to everyone who took the time to submit entries. Stay tuned!

Below is a reminder of our winning photos for F&M Bank's 2024 Calendar.

Today, our team, along with Sammy, had the honor of participating in the United Way of Harrisonburg & Rockingham County’s Day of Action! We mulched, painted, and planted to help our community 🌱 Together, we believe in the power of volunteerism and making a difference.

Today, our team, along with Sammy, had the honor of participating in the United Way of Harrisonburg & Rockingham County’s Day of Action! We mulched, painted, and planted to help our community 🌱 Together, we believe in the power of volunteerism and making a difference.



-with F&M Mortgage

Can Home Improvements Lower Your Tax Bill? It Depends - F&M Bank Most home improvements are not tax deductible — with one possible exception. In certain situations, you may be able to deduct improvements deemed necessary for medical reasons (not just beneficial to general health). If you itemize instead of taking the standard deduction, you can deduct unreimbur...

As we gather with family and friends for barbecues, parades, and moments of reflection, let's take a moment to pay tribute to those who gave their lives to protect our freedom and uphold our values.

We owe them our deepest gratitude and respect, and we must never forget their service and sacrifice.

Home of the free, because of the brave. 🇺🇸 ❤️

All F&M Bank and Mortgage locations will be closed today, May 27th, in observance of Memorial Day. F&M Mobile and Online Banking are available.

Stay Alert Against Fraud This Holiday Weekend!

As we approach the holiday weekend, it's important to stay vigilant against fraud and scams. Here are a few tips to keep your finances secure:

🔒 Monitor Your Accounts: Regularly check your bank accounts for unusual activity. Quick detection is critical to preventing fraud.

💳 Protect Your Cards: Keep your credit and debit cards safe. Use the available card management features in F&M's mobile banking. Report any lost or stolen cards immediately.

🛡️ Be Wary of Phishing: Beware of emails, calls, or messages asking for personal information. When in doubt, contact us directly.

Your security is our priority. Stay safe, and have a wonderful holiday weekend!