Berne, Indiana's Farmers & Merchants State Bank welcomes Judy Heflin, your dedicated mortgage expert. Judy provides personalized lending solutions, guiding clients through every step of the mortgage process. A Berne community specialist, she leverages her in-depth mortgage industry knowledge to secure the best possible financing options. Connect with Judy during business hours, 9 AM to 5 PM, and experience exceptional service tailored to your unique homeownership goals.