F & M Mortgage

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VBS Mortgage NMLS# 275173 is committed to the personalized service and accommodation of our clients’ entire home financing needs. VBS makes this possible by encompassing a knowledgeable and driven sales team, as well as having the most competitive products and rates available. Our solid foundation and authenticity sets us apart from our competition and ensures the long term success of our company in this challenging market. Every relationship built provides our company the opportunity to improve our skills and provide the highest quality professional services to our clients, associates and business affiliates.

VBS Mortgage was established in 1999 and is an affiliate of Farmers & Merchants Bank, a community bank that has been serving the Shenandoah Valley since 1908. VBS Mortgage is a lender that offers in-house processing and underwriting, which gives us the advantage of local decision making. We have the ability to offer a wide variety of mortgage products to meet individual needs.