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  Exchange Bank Home Mortgage

Exchange Bank Home Mortgage

in Home Purchase Mortgages from Exchange Bank of Milledgeville · NMLS ID #401817

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Exchange Bank Home Mortgage

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in Home Purchase Mortgages from Exchange Bank of Milledgeville · NMLS ID #401817

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Highlights
Loan Amount N/A
Loan Term (Years) Up to 30 years

Exchange Bank Home Mortgage Review

Exchange Bank Home Mortgage is offered by Exchange Bank of Milledgeville (NMLS #401817), a bank founded in 1903 and based in Milledgeville, GA. Exchange Bank Home Mortgage is available in 1 state across the USA.

Exchange Bank Home Mortgage FAQ

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

Exchange Bank Home Mortgage offers mortgages with a maximum term of 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.

Does Exchange Bank Home Mortgage charge a mortgage origination fee?

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

What mortgage programs does Exchange Bank Home Mortgage offer?

Exchange Bank Home Mortgage 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.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Exchange Bank Home Mortgage allow?

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

  • Primary home
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Exchange Bank of Milledgeville

Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Intended Use Primary Home
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)
Primary Residence  
Loan Term Up to 30 years
Interest Rate Types Offered Fixed-Rate Mortgage
Mortgage Programs
  • FHA
  • USDA
  • VA
  • Conventional Mortgages
  • Jumbo

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