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Local expertise and broad real estate experience will benefit you whether you are serious about buying or selling a home at this time, or are a returning client checking out the many homeowner resources offered here.As local area experts with extensive knowledge of the communities, the objective here is to work diligently to assist you in meeting your real estate goals.The program was revised recently to increase the number of borrowers who can participate.Among the changes is an item that seeks to remove the resubordination hurdle for many applicants with second mortgages.As before, HARP is available only to homeowners whose mortgages are held or guaranteed by Fannie Mae or Freddie Mac.“The largest lenders have all agreed to resubordinate their second liens,” says Stefanie Johnson, a spokeswoman in the Office of Congressional Affairs of the Federal Housing Finance Agency, which regulates Fannie and Freddie.Discover Card is serious about safeguarding your personal information online.When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.

We are a full-service mortgage company providing all types of mortgage loans: Thanks for visiting F&M Bank Mortgage.

The F&M Bank Mortgage Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates.

Whether you are a first-time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.

If you can’t strike such a deal, called a resubordination, you’ll have three options.

Most refinancers prefer to go the resubordination route, even though it takes time and often involves fees.

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