VBS Mortgage, afflilated with Farmers and Merchants Bank,  is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

VBS Mortgage is both a lender and a mortgage broker service. This means you have the best of both worlds: lending power and product ingenuity. We proudly service all of Virginia and West Virginia.

There are numerous ways to finance today, but nothing replaces experience, trust and integrity. At VBS Mortgage we make buying your dream home or refinancing your existing home easy because we work smarter for you.

Let our mortgage specialists find the program that suites your needs for:

• Home Purchase
• Existing Mortgage Refinance
• Debt Consolidation Loans
• Home Improvement Loans
• Construction Loans
• Home Equity Loans