Pre-Qualify Application

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Home Loan Pre-Qualification

Things to know before you start

This is NOT automated; an Exchange Bank Mortgage Lender looks over your information and will contact you within 1 to 2 business days.^*
This process can take as little as 3-5 minutes
Mortgage Loans require a qualifying credit score
We access your credit report to determine eligibility

^*Submissions after 4pm considered the next business day. | Questions/concerns – email us at mortgagelending@eb-us.com

Personal Info

Current Address

Years at this address

Do you rent or own?

Rent Own

About this Property and Your Money for this Loan

If this is a purchase transaction: Do you have a family relationship or business affiliation with the seller of the property?

Yes No

Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?

Yes No

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?

Yes No

Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?

Yes No

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?

Yes No

About Your Finances

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

Yes No

Are there any outstanding judgments against you?

Yes No

Are you currently delinquent or in default on a Federal debt?

Yes No

Are you a party to a lawsuit in which you potentially have any personal financial liability?

Yes No

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?

Yes No

Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?

Yes No

Have you had property foreclosed upon in the last 7 years?

Yes No

Have you been declared bankrupt in the past 7 years?

Yes No

Are you obligated to pay alimony, child support, or separate maintenance?

Yes No

Is any part of the down payment borrowed?

Yes No

Social Security or Tax ID#

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us:mortgagelending@eb-us.com

Date of Birth

Citizenship

US Citizen Permanent Resident Alien Non-Permanent Resident Alien

Marital Status

Married Unmarried Separated

Dependents

None

Separate ages by commas.

Have you or your spouse served in the military?

Yes No

Do you intend to apply for joint credit?(Do you have a Co-Borrower?)

Yes No

Co-Borrower Information

Personal Info

Co-Borrower Information

Current Address

Co-Borrower Information

Years at this address

Do you rent or own?

Rent Own

Co-Borrower Information

Are you obligated to pay alimony, child support, or separate maintenance?

Yes No

Is any part of the down payment borrowed?

Yes No

Co-Borrower Information

Date of Birth

Social Security or Tax ID#

Why do we need your SSN? This information is used to access your credit report to determine eligibility. If you have questions please contact us:mortgagelending@eb-us.com

Citizenship

US Citizen Permanent Resident Alien Non-Permanent Resident Alien

Co-Borrower Information

Marital Status

Married Unmarried Separated

Dependents

None

Separate ages by commas.

How do you intend to use the new property?

Primary Residence Second Home Investment

Co-Borrower Information

How do you intend to use the new property?

Primary Residence Secondary Residence Investment

Are you currently employed?

Yes No

Co-Borrower Information

Are you currently employed?

Yes No

Primary Borrower Assets & Income

Submitting income from alimony, child support, or separate maintenance income is optional if you do not want to use that income for qualification purposes.

Co-Borrower Assets & Income

Do you have money for a down payment?

Yes No

Privacy Policy

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

I accept the terms of the privacy policy

Gather the following for all Borrowers to help expedite the home loan approval process:

Two Years of W2s | Two Years of Taxes | Last two paystubs

Thank you.
Your application has been submitted.
Please check your email for confirmation.

Your Loan Number for reference is:

Print this page for your records

What's Next?

One of our attentive and highly knowledgable personal lenders will be contacting you soon.

Once you’ve been connected with your lender, he or she will work with you to determine your home buying options.

If you pre-qualify, you’re ready to find your dream home

For any questions or inquiries regarding your application, please contact us through the link below:

Helping you find your dream home.

How it works.

Take a few minutes to fill out our secure online application. Through straightforward questions, we’ll accurately capture your unique financial situation and take the guesswork out of your house price point. Once submitted, you will be contacted by one of our personal lenders who will walk you through your options and next steps.

Who can pre-qualify?

Anyone! Pre-qualifying is simply the first step in the process of buying a house. It’s where you provide a snapshot of your financial situation and receive an ideal price point and mortgage payment for your home.

Why Exchange Bank?

Our lenders love nothing more than helping you find the perfect home that doesn’t break your bank account. To ensure unparalleled service, you work with the same lender from start to finish. Meet with them, call them up, whatever you need to put you at ease through the homebuying process.

Restrictions apply. See an Exchange Bank Home Mortgage Loan Officer for complete details.

Exchange Bank – NMLS #411384 | Offer Subject to Credit Approval.

Beware of scams

Exchange Bank does NOT and will NOT sell your information to any third party. We value our customers and work tirelessly to protect their privacy.

Please be aware that on occasion third party companies gather public information or information based on your credit report, and use this information to market to you. In a deceptive practice, these companies use the bank’s name as a way to get your attention.

This issue is NOT exclusive to Exchange Bank and only you, the customer can combat this by adding your phone number on the FCC’s National Do Not Call Registry here: https://www.donotcall.gov/. You can also report scam attempts to the Federal Trade Commission by calling 1-877-382-4357 or by visiting reportfraud.ftc.gov.

Please feel free to contact your mortgage lender or Live Chat Electronic Banking Services team if you have questions or concerns about phone calls or mailings you may receive. Feel free to look over our privacy policy here: EB Privacy Policy.

Home Loan Pre-Qualification

Things to know before you start

Personal Info

Current Address

Years at this address

Do you rent or own?

About this Property and Your Money for this Loan

Will you occupy the property as your primary residence?

Have you had an ownership interest in another property in the last three years?

What was its primary use?

How did you hold title to home?

If this is a purchase transaction: Do you have a family relationship or business affiliation with the seller of the property?

Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?

Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?

About Your Finances

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

Are there any outstanding judgments against you?

Are you currently delinquent or in default on a Federal debt?

Are you a party to a lawsuit in which you potentially have any personal financial liability?

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?

Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?

Have you had property foreclosed upon in the last 7 years?

Have you been declared bankrupt in the past 7 years?

Identify the type(s) of bankruptcy (select all that apply)

Are you obligated to pay alimony, child support, or separate maintenance?

Is any part of the down payment borrowed?

Social Security or Tax ID#

Date of Birth

Citizenship

Marital Status

Dependents

Have you or your spouse served in the military?

Do you intend to apply for joint credit?(Do you have a Co-Borrower?)

Co-Borrower Information

Personal Info

Co-Borrower Information

Current Address

Co-Borrower Information

Years at this address

Do you rent or own?

Co-Borrower Information

About this Property and Your Money for this Loan

Will you occupy the property as your primary residence?

Have you had an ownership interest in a property in the last three years?

What was its primary use?

How did you hold title to home?

If this is a purchase transaction: Do you have a family relationship or business affiliation with the seller of the property?

Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?

Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?

Co-Borrower Information

About Your Finances

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?

Are there any outstanding judgments against you?

Are you currently delinquent or in default on a Federal debt?

Are you a party to a lawsuit in which you potentially have any personal financial liability?

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?

Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due?

Have you had property foreclosed upon in the last 7 years?

Have you been declared bankrupt in the past 7 years?

Identify the type(s) of bankruptcy (select all that apply)

Co-Borrower Information

Are you obligated to pay alimony, child support, or separate maintenance?

Is any part of the down payment borrowed?

Co-Borrower Information

Date of Birth

Social Security or Tax ID#

Citizenship

Co-Borrower Information

Marital Status

Dependents

Choose a branch that works best for you

Select a Lender

How do you intend to use the new property?

Co-Borrower Information

How do you intend to use the new property?

Thank you.
Your application has been submitted.
Please check your email for confirmation.