Home Loans

Mortgage Lending From Your Community Lenders

You deserve to work with a mortgage lender who will put your needs first. At Exchange Bank, every home loan we offer begins with a conversation with you. Our mortgage lenders will sit down with you to understand your borrowing needs and provide you with options for the right loan to meet those needs. From there, we’re with you all the way from pre-approval to closing. Contact the lending team at Exchange Bank to speak with a home loan expert and schedule your meeting to discuss your mortgage loan needs.

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Our Home Loan Offerings

Fixed-Rate Mortgage

A fixed-rate mortgage is a great loan option for borrowers who intend to stay in their home for longer than 10 years and want to make a consistent monthly payment for the loan’s entire term.

Adjustable-Rate Mortgage

Adjustable-rate mortgages are a better option for borrowers looking to stay in their new home for less than 10 years. Your loan’s rate will be fixed for an initial period, and then is subject to change based on the market.

Home Equity Loan

This is a lump sum loan that allows you to put your home’s equity to use and gain some financial flexibility. All funds are given to you upfront and you’ll pay a fixed rate on what you borrow.

Home Equity Line of Credit

Use your home’s equity as a revolving line of credit. With a home equity line of credit (HELOC), You’ll pay interest on what you borrow. As you make repayments, the funds become available to borrow again.

Construction Loans

Construct your dream home with our closed-end line of credit construction loans. Enjoy the ease of interest-only payments and the opportunity to finance up to 80% of your construction expenses. Make your dream home a reality with our tailored construction loan solutions.

Land / Lot Loans

Acquire the perfect parcel for your future dream home through a lot loan. Our loans guarantee the acquisition of your desired land, featuring flexible repayment terms tailored to meet your individual needs. Set the foundation for your dream home with our specialized lot loan solutions.

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