5 /5 Dakota Rogy: Richard Riggins at F&M Bank is an outstanding lender! His professionalism, expertise, and dedication made my lending process seamless and stress-free. He took the time to understand my needs, provided excellent communication, and ensured I got the best possible terms. Richard was always available to answer questions and went above and beyond to make everything smooth and efficient. His customer service is top-notch, and it’s clear he genuinely cares about his clients. I highly recommend Richard to anyone looking for a knowledgeable and trustworthy lender. I will definitely work with him again in the future. Thank you, Richard!