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Imagine your dream home. Whether you purchase or build, the good people at The Farmers and Merchants Bank would like to help you reach your goal.


  • Fixed rates out to 20 years
  • 30 year amortization with 15 or 20 year fixed rate
  • Lower rates for shorter terms


  • No up-front points
  • Appraisal fee (est. $300.00-consumer, est. $750.00-$1000.00-commercial)
  • Attorney fee (est. $300.00) Recording & misc. (est. $200.00)


Buying a 2nd home?
Need an Investment Real Estate Loan? 

The Farmers and Merchants Bank offers the same great rates for 2nd home and Investment Real Estate loans. Please contact a loan officer for additional details about our loan products or for assistance selecting the loan that is right for you. 


We Offer A Variety of Services at The Farmers and Merchants Bank.

Why The Farmers and Merchants Bank?

  • Personal service
  • Fast turn-around time
  • All loans are kept in-house
  • Low closing costs
  • Many payment options (i.e. monthly, bi-weekly)

Who Qualifies?

  • United States resident
  • 18 years old
  • Established credit history
  • Ability to make payments
  • Required or sufficient collateral
  • Primary Lending Area: Southeastern, OH; (Noble and any county that touches Noble County). Please call a Loan Officer for details.