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Applying for a Mortgage or Refinancing
is quick and easy...

Step 1: Contact us at (320) 243-3702 to find out if you can pre-qualify for the mortgage you need. With pre-qualification, your offer will have a better chance of being accepted by the seller and it will make the closing process even faster. We'll also be happy to answer any questions you might have about the application process.

You may Download a Mortgage Application and complete it off-line. This option allows you to key-in the information requested, print, sign and either fax, mail or drop it off.

We'll process your application quickly and get back to you right away with the answer you need.

Please note, you may need Adobe Acrobat 9.0 or above to complete the mortgage application on your computer. If you do not have Adobe, you may simply print the blank application and complete by hand.


Farmers and Merchants State Bank
125 E James Street P.O. Box 137
Paynesville,MN 56362
(320)-243-3702


ONLINE BANKING