F&M Mortgage: A Division of F&M Bank Richard Jones Rd, Nashville

Fantastic experience with Billy Winfree! He was always quick to respond which made his team stand out amongst others and was willing to match or even beat other offers we had for a mortgage. I would absolutely work with Billy and his team agin! Amber was always super friendly and helpful when I called with questions. Overall a great group of people

Billy and his team were incredibly thorough. It was a relatively (in my view) small mortgage amount, but we had extraordinary circumstances of having to initiate our application while out of the country. Billy made sure everything that was needed to see the mortgage application to a successful conclusion was taken care of. The entire team especially Krissi Nicks was extremely helpful in their follow-up and follow through with helping us complete and submit all required documents.

Billy and F&M could not have been better to work with. This was the smoothest and most pleasant home loan I've dealt with. They were friendly and professional throughout the process. I've never had a loan wrapped up so early before closing. Highly recommended!

Billy and his team are wonderful! They were very knowledgeable when walking me through the purchase of my first home. They seemed to always be available to speak with me about any concerns I had. I was able to purchase my home with confidence thanks to their expert help!

Billy and Lauren we're great to work with. This was our first home purchase and we had lots of questions that Billy and Lauren answered in a timely manner. I would definitely recommend them if you are looking to buy or sell a home.

Billy Winfree and his team made the purchase of our new home a great experience! They are knowledgeable, personable and professional and took the worry and anxiety out of the process. I highly recommend Billy, Lauren and the F&M Bank team!

Billy and team are AMAZING! They provided exceptional service and communication throughout the entire home buying process. Billy presented us with financial options no other bank had even mentioned, which ended up saving us HUNDREDS of dollars on our monthly payment. We have our dream home because of Billy & team - thank you! We HIGHLY recommend Billy Winfree and F&M Bank.

I’ve worked with Billy and his team on three home loans and one refi. In my experience I’ve come to realized shopping around is a waste of time bc Billy has consistently put together the best loan package available each and every time. I would recommend him to anyone in the market to buy or refinance a home. Thanks for the great customer service and all that you do Billy/team!

Fm Mortgage isn’t what it used to be. Rodney Wilds and his team do not practice proper communication. It took me constantly following up and pressuring to get information. I’m self employed homebuilder and realize there’s more steps to approving me. I was continually promised a closing date and it continued to get pushed back without any reason. After almost 6 months of working with FM, multiple times being told it’s approved and ready to close, they just send an email and say they can’t do the loan anymore. I’ve been a loyal customer of FM Bank for years. Because of my job, I work with a lot of mortgage lenders. I would never recommend FM Mortgage to anyone trying to close a deal within a reasonable amount of time. Amazing what can change in 1 year when all the top talent leaves.

Billy and the team at F&M mortgage we’re a pleasure to work with and helped us get a great rate for our first home purchase. I would recommend Billy to anyone looking for a knowledgeable loan manager.