Real Estate Mortgages

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We make home buying easy!

Getting a mortgage does not have to be overwhelming. Farmers & Merchants State Bank has experienced Mortgage Lenders to assist you through every step. We will do our best to get you into a new home as stress-free and quickly as possible. 

Mortgage Closing

With our unique relationship to the secondary mortgage market, we can offer long-term, low-rate mortgages through various programs. 


Below is a list of Mortgage Programs we offer:    

  • South Dakota Housing for First-Time Homebuyers & Repeat Homebuyers
  • Construction loans  
  • Federal Housing Administration (FHA) & Veteran Affairs (VA)
  • Rural Development (RD)  
  • Fixed & variable rate mortgages  
  • Competitive rates & terms


Request Contact from a Loan Officer