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Innernet Direct

Mortgages

Whether you are buying your first home, refinancing an existing mortgage, building a new home, or moving up to a larger home, you can count on F&M Trust’s mortgage lenders. They will assist you every step of the way with expert advice and professional service.

We believe that your mortgage should be as comfortable as your home. So we offer fixed and variable interest rate mortgages, first time homebuyer mortgages and special program mortgages to meet your needs.

Fixed Rate Mortgages  Apply Online

With a fixed rate mortgage your interest rate remains the same throughout the term of the mortgage, providing the peace of mind of a set monthly mortgage payment. In addition, fixed rate mortgages offer:

  • Competitive rates and fees
  • Interest rate lock option available at time of application
  • Interest rate buy down options
  • Repayment terms of up to 30 years
  • One settlement construction and permanent financing

Adjustable Rate Mortgages (ARMs)

With our adjustable rate mortgages, you get the benefit of a set monthly payment for a predetermined number of years. Following the fixed rate period, the interest rate is variable and your monthly payment can change annually as market interest rates fluctuate. In addition ARMs offer:

  • 3/1, 5/1 and 7/1 ARMs - Rate is fixed for the first three, five or seven years of the mortgage with annual rate and monthly payment adjustments thereafter.
  • Competitive rates and fees
  • Interest rate lock option available at time of application
  • Interest rate buy down option
  • One settlement construction and permanent financing
  • Financing is available for homes with large acreage, unique residential properties and jumbo mortgages
  • Repayment terms of up to 30 years
  • Residential investment property financing available

First Time Homebuyer Mortgages

F&M Trust offers a variety of first time homebuyer mortgages that make the first home purchase possible and more affordable including:

  • Pennsylvania Housing Finance Agency (PHFA) mortgages that provide lower-than-market fixed interest rates with low fees and low down payment requirements. These mortgage programs require buyers to meet certain qualifications including household income and purchase/construction price limits
  • The Rural Housing Guaranteed Loan Program offers 100% financing with competitive fixed interest rates

Other Mortgage Programs

Our other mortgage programs provide convenient financing options that other lenders often don't offer:

  • Construction-only mortgages with competitive interest rates
  • New home purchase/construction bridge loan financing
  • Land/lot mortgage loans

For Expert Mortgage Advice and Professional Service

Please contact a mortgage originator or the nearest F&M Trust community office for assistance with your mortgage loan needs in Franklin, Cumberland, Fulton, Huntingdon and surrounding counties.

Mortgage Originators

Chambersburg Area
Rhetta Martin
20 S. Main Street
Chambersburg
Office (717) 261-3567
Cell (717) 267-6731

Southern Franklin County
Amy Seiders
518 N Antrim Way
Greencastle
Office (717) 597-2931
Cell (717) 360-3849
Fax (717) 597-7615

Cumberland County
Mark Bitting
214A Westminster Drive
Carlisle
Office (717) 960-1404
Fax (717) 249-4462

Fulton County
Mary Wright
100 Lincoln Way East
McConnellsburg
Office (717) 485-3144
Fax (717) 485-5134



All Loans Subject to Credit Approval.

Member FDIC