Home Loans

LOANS MADE FOR REAL LIFE

Taking out a loan is personal, and at Exchange Bank, we get it. We always ensure all your wants and needs are met before we take the next step. Whether you’re buying land, refinancing, building, or purchasing new, our local lenders have all the tools and time to find you the exact loan you’ve been looking for.

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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 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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