At F&M Mortgage, we bring your dream home.

F&M Mortgage is a locally-owned mortgage company. We take pride in helping our clients become homeowners and work hard to improve the communities we serve.



 VBS Mortgage has worked with many of my home buyers to help them qualify for a loan. The mortgage consultants, processors, underwriters and other staff are courteous, knowledgeable, and customer service oriented! Thank you VBS Mortgage for making the dream of home ownership a reality for many! 

Renee Whitmore, Old Dominion Realty

 I can't begin to describe how wonderful VBS Mortgage has been. Buying a home had been a dream for my family for so long, and it was great to work with a lending company that knew how much that dream meant. I truly can't recommend them enough. 

Jonathan Williams