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Last Updated: 04/18/2025

Exchange Bank and Trust Home Equity Lines of Credit

from Exchange Bank and Trust

Last Updated: 04/18/2025

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Highlights

Credit Score Range

600 - 850

Amount Range

Up to $660,000

Maximum LTV

N/A

Minimum Draw

N/A

Loan Term (Years)

Up to 30

Exchange Bank and Trust Home Equity Lines of Credit Review

Exchange Bank and Trust Home Equity Lines of Credit is offered by Exchange Bank and Trust (NMLS #445799), a bank founded in 1856 and based in Atchison, KS. Exchange Bank and Trust Home Equity Lines of Credit are available in 50 states and Washington, DC.

Key Takeaways

Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for Exchange Bank and Trust Home Equity Lines of Credit.
Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.

Exchange Bank and Trust Home Equity Lines of Credit Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants with fair credit.
Available in all 50 states.

Charges an origination fee.
No co-sign option available.

Exchange Bank and Trust Home Equity Lines of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

Borrowers can apply for lines of credit of up to $660,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.

Typically, borrowers with good credit can qualify for up to 85% of the property value, minus the balance on their first mortgage.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does Exchange Bank and Trust Home Equity Lines of Credit charge for a HELOC?

Exchange Bank and Trust Home Equity Lines of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with Exchange Bank and Trust Home Equity Lines of Credit?

Exchange Bank and Trust may consider HELOCs secured by the following property types:

Primary residences
Secondary or vacation homes

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Message from Exchange Bank and Trust Home Equity Lines of Credit

Unexpected expenses can come knocking at any time. Fortunately, the equity you’ve built in your home can open the door to a convenient line of credit. Turn the equity in your home into ongoing, affordable financing.

Contact

Headquarters

600 Commercial Street

PO Box 189

Atchison, KS 66002

Visit Site

Email Support

Hours of Operation

SundayClosedMonday8:00AM - 5:00PMTuesday8:00AM - 5:00PMWednesday8:00AM - 5:00PMThursday8:00AM - 5:00PMFriday8:00AM - 5:00PMSaturdayClosed

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

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