Farmers and Merchants of Long Beach

C.J. and Carrie Walker established F&M Bank on November 23, 1907. Throughout the Depression, the Long Beach earthquake and more, Farmers and Merchant Bank has kept their community afloat. In the tradition of George Bailey, F&M even allowed customers to pay interest only on loans when times were tough. Their company objective is to keep their bank strong, conservative, and friendly, and to treat their customers as part of their extended family. F&M maintains a capital ratio four times higher than the limit set by regulators. Their headquarters are in Long Beach California, and they have several branches in the Los Angeles and Orange County area.

F&M Bank Mortgage Options

In addition to their general banking services, F&M Bank provides customers with Home Mortgage Loans such as Home Purchase Loans, Home Improvement Loans, and Home Equity Loans. They have the traditional Fixed and Adjustable Rate Mortgages for Home Purchase Loans. The Fixed Rate Mortgage comes in terms of ten, fifteen, twenty, twenty-five, and thirty years. The Adjustable Rate Mortgage comes in terms of one, three, five, seven, and ten years.

F&M’s Home Improvement Loans can be used for any non-cosmetic improvement on a home. They can be used for a new roof, or a new bathroom, but not a luxury such as a greenhouse or a spa. Such improvements can improve the value of the house, and may be well worth the cost.

Home Equity Loans are excellent financial resources for homeowners with equity. F&M can help you get a Home Equity Loan to finance one of life’s expensive emergencies such as a dry rot repair, or unexpected medical expenses.

F&M also provides Real Estate and Construction Loans for entrepreneurs. F&M offers short term, owner occupied, non-owner occupied, and second trust deed loans for construction, purchase, refinancing, equity lines, equity loans, and improvements for commercial and industrial properties, multi family dwellings, vacant land, and rental properties.

F&M does not offer online mortgage applications; they request that you call, or make an appointment with a loan advisor for further information on home loans.

F&M is proud to act in accordance with the Fair Housing Act of 1968. They do not discriminate against borrowers based on color, race, national origin, religion, age, sex, or disability.

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