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It has come to our attention that our customer care number is being imitated. You may get a call from a scammer claiming to be from the bank and asking for personal and bank details. Please note: We will NEVER call you to verify personal information. If you receive such a call, do not share your details and report the incident to us immediately. Stay safe and thank you for your vigilance!

Judy Heflin serves as a Home Loan Originator at F&M Bank. She is known for providing excellent customer service, setting her apart in the loan industry. Her responsiveness and clear communication ensure clients are always informed and confident throughout the loan process. Judy is always willing to answer questions and address concerns, making sure clients understand every detail, from fees to potential challenges. Judy offers customized solutions tailored to each client's individual needs, even traveling to homes to close loans for added convenience. Her dedication to excellent service has earned her a loyal client base, with many satisfied clients referring her to their friends and family. 

INDIANA

Berne, Geneva