Who We Are
VBS Mortgage was established in 1999 and is an affiliate of Farmers & Merchants Bank, a community bank that has been serving the Shenandoah Valley since 1908. VBS Mortgage is a lender that offers in-house processing and underwriting, which gives us the advantage of local decision making. We offer a wide variety of mortgage products to meet your needs. We help homeowners age 62 and older throughout the reverse mortgage process, providing access to the funds they need while remaining in their homes. Call us for more information or to schedule an appointment.
Equal Housing Lender