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Upcoming Holiday Hours: We will be closing early on 12/24 at 12:00PM and will remain closed through 12/25 in observance of Christmas. Our offices will re-open for normal business hours on 12/26. In addition, our offices will be closed 1/1/26 in observance of New Years. Our offices will re-open 1/2/26 for normal business hours.

Meet our mortgage team

Your Local Home Loan Partners
  • HOME
  • Meet our Team - Mortgage
Standing with over 25 years of lending experience, Pat Burkholder’s knowledge of products and procedures guarantees each customer finds the best solution for their needs. Having worked at F&M for nearly 40 years, Pat has built a strong and loyal client base, often assisting the children of past clients. If she cannot provide a solution, she will recommend ways to overcome any issue they are experiencing. She also is very active within the community, being involved in various local organizations.  

OHIO

Bryan, Stryker, West Unity

Our local lenders are here to help you. 

Whether you're purchasing your first home, refinancing, or looking for advice, our originators are committed to providing expert advice and solutions to help you achieve your homeownership dreams.