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  Exchange Bank and Trust Home Mortgage Loans

Exchange Bank and Trust Home Mortgage Loans

in Home Purchase Mortgages from Exchange Bank and Trust · NMLS ID #445799

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Exchange Bank and Trust Home Mortgage Loans

Unaffiliated

in Home Purchase Mortgages from Exchange Bank and Trust · NMLS ID #445799

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Highlights
Loan Amount Up to $600,000
Loan Term (Years) 15 - 30 years

Exchange Bank and Trust Home Mortgage Loans Review

Exchange Bank and Trust Home Mortgage Loans is offered by Exchange Bank and Trust (NMLS #445799), a bank founded in 1856 and based in Atchison, KS. Exchange Bank and Trust Home Mortgage Loans is available in 1 state across the USA.

Exchange Bank and Trust Home Mortgage Loans FAQ

How much can you borrow via Exchange Bank and Trust Home Mortgage Loans?

Exchange Bank and Trust Home Mortgage Loans allows borrowers to apply for loan amounts of up to $600,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What is the maximum loan term you can get with Exchange Bank and Trust Home Mortgage Loans?

Exchange Bank and Trust Home Mortgage Loans offers mortgages with terms ranging from 15 to 30 years. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What range of rates does Exchange Bank and Trust Home Mortgage Loans offer?

Exchange Bank and Trust Home Mortgage Loans offers home loans with APRs starting at 2.875% .

Does Exchange Bank and Trust Home Mortgage Loans charge a mortgage origination fee?

Yes, Exchange Bank and Trust Home Mortgage Loans may charge a loan origination fee.

Does Exchange Bank and Trust Home Mortgage Loans charge prepayment fees?

No, Exchange Bank and Trust Home Mortgage Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs does Exchange Bank and Trust Home Mortgage Loans offer?

Exchange Bank and Trust Home Mortgage Loans offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • Jumbo: Any mortgage with a loan amount above the conforming loan limits set by Fannie Mae and Freddie Mac. As of 2018, the jumbo threshold is $453,100 in most of the United States.
  • USDA: A zero down payment mortgage loan with low rates for suburban and rural homebuyers.

What property usage types does Exchange Bank and Trust Home Mortgage Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Exchange Bank and Trust Home Mortgage Loans allows the following property usage types: 

  • Primary home
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 5:00pm
  • Tuesday 8:00am - 5:00pm
  • Wednesday 8:00am - 5:00pm
  • Thursday 8:00am - 5:00pm
  • Friday 8:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank and Trust

Availability

  Available in 1 state
Kansas
Availabile in all of Kansas

Feature Breakdown

No Prepayment Fee  
Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Intended Use Primary Home
Maximum LTV 89%
Minimum Age 18
Property Type
  • Manufactured/Mobile Home
  • Multi-Family Home
  • Single Family Home
  • Townhome
Verification Documents Required
  • Proof of Income
  • Proof of Identity
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
  • Driver License (or other photo ID)
Investment  
Primary Residence  
APR Starting at 2.875%
Loan Amount Up to $600,000
Loan Term 15 - 30 years
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)
  • Option ARM
Mortgage Programs
  • FHA
  • USDA
  • Conventional Mortgages
  • Jumbo

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