In case you haven't heard, rates have fallen.

If your mortgage interest rate is higher than 4 percent or if you have an adjustable rate mortgage, you should think about locking in a lower rate and refinancing with F&M Trust. It could save you big. Plus, our home lending experts make it super easy.

These historic lows won’t last forever.

Let’s discuss the advantages of refinancing.

Refinancing can increase the total number of monthly payments and may increase the overall amount paid when compared to your current situation. Credit and collateral are subject to approval. This does not constitute a commitment to lend. Restrictions, limitations and exclusions may apply. Terms, rates and conditions are subject to change without notice.

20 South Main St. | PO Box 6010
Chambersburg, PA 17201

(717) 264-6116
(888) 264-6116
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