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No Closing Cost Thru April 15 Thanks to recent federal legislation, you can now deduct all the interest paid on home equity loans of $100,000 or less. * And with the government rapidly reducing the deductibility of other types of loans, a home equity loan makes even more sense. , Use the money for a vacation. An addition to the house. A mountain cabin. Anything you’ve dreamed of. The interest rate you pay is lower than most other personal loans - just U/2% above our commercial business rate. The rate, as you may know, can change from month to month. Just stop by any of our locations and ask for an application. A home equity loan ^ from Farmers and Merchants will not only help finance your dreams - it can make your taxes less taxing. Farmers and Merchants National Bank M^rmc MAIN OFFICE WINCHESTER. VIRGINIA BERRYV1LLE • FLINT HILL • FRONT ROYAL • MIDDLETOWN ■ NEW MARKET • STEPHENS CITY • WOODSTOCK MOUNT JACKSON APPLE COUNTRY'S HOME GROWN BANK
& (OoAi «0uS<*tG LENDER • Loan amount must not exceed fair market value of the house minus the first mortgage balance. If you refinanced your first mortgage after October 13. 19H^ertain restrictions apply. Contact your tax advisor. V
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