Make homeownership a reality

Start your Farmers & Merchants State Bank Loan Application

Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That's why we want to make applying for your home loan quick and easy.

This application should take you approximately 20 minutes to complete, and your progress will be saved as you complete each step. Please note that your session will timeout after 15 minutes of inactivity.

By starting this application I accept the Privacy Policy.

We typically only accept loan requests for the states of Ohio, Indiana and Michigan.

Farmers & Merchants State Bank complies with Section 326 of the USA Patriot Act. This law mandates that we verify certain information about you while processing your account application. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying information.

Please Have These Items Ready

  1. Current and Previous Addresses (2 years)
  2. Property Information (if applicable)
  3. Current and Previous Employment Information and dates including monthly salary
  4. Bank Account Statements
  5. Current monthly housing expenses such as rent and mortgage payments
  6. Address and Market Value information for properties you own, including taxes & insurance
  7. Sources and Income Amounts for all Borrowers. If a W-2 employee, pay stubs for the last 30 days
  8. If working with a real estate agent, their name, company and phone number
  • Start App

    On Your Way
  • Personal

    Name
    Address
  • Property

    Location
    Title
  • Employment

    Positions
    Dates
  • Assets

    Bank Accounts
    Real Estate
  • Housing

    Expenses
    Income
  • Declarations

    Government
    Monitoring
  • Submit App

    and Done

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