VBS Mortgage (NMLS #275173) is a true local mortgage company. Established in 1999, VBS Mortgage is an affiliate of Farmers & Merchants Bank, who has been serving the Shenandoah Valley for over 100 years. Our deep roots encourage us to work even harder to make our community a great place to live. Our friendly and knowledgeable mortgage advisors and in-house processing and underwriting give you excellent service and local decision making. While we're happy to brag about our wide range of mortgage products--from conventional loans to 100% financing--and competitive rates, it's the relationships with our clients that matter most.