Quick. Simple. Personal.

Take the guesswork out of pre-qualifying for your dream home through our quick and simple online application. Once you know how much you can spend, our attentive and accessible lending staff do all they can to make your mortgage experience a good one.

Homeownership Set-aside
Program (HSP)

First-time homebuyers are provided down payment, closing cost and repair assistance if earnings are at or below 80% of the Area Median Income (AMI) for households purchasing or constructing homes in Colorado, Kansas, Nebraska and Oklahoma.

Single Family Housing
Guaranteed Loan Program

This program assists approved lenders in providing low and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas.

NIFA Homebuyer
Assistance Program

Open the door to homeownership, even if you do not have enough money saved for down payment and closing costs. Our HBA Program can help you buy a home with a minimum investment of $1,000.

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.

Get a head start on your mortgage today!

When you’re buying a home, you’ve got a lot on your mind – you might be anxious, overwhelmed, excited … maybe a little of everything?

At Exchange Bank, we’re busy dreaming up ways to make purchasing a home simple and streamlined. So we’ve put together a comprehensive Homebuyer’s Checklist with everything you need to get started!

Bonus cash!

Claim your $150 bonus when you open a Platinum Checking account alongside a mortgage or refinance.

By opening a Platinum Checking account, not only will you start with a bonus of $150, but you’ll also earn more the more your account increases. With competitive tiered interest rates, our Platinum Checking account is designed to grow with you.

Competitive tiered APY with minimum average balances.* $2,499.99 or less (APY: 0.25%) | $2,500.00 to $9,999.99 (APY: 1.26%) | $10,000.00 to 19,999.99 (APY: 1.51%) | $20,000.00 and up (APY: 1.76%).

Must have a Direct Deposit (Payroll or Social Social Security)

*This Account is an interest bearing account. The Interest Rate and Annual Percentage Yield may change after account opening. The Interest Rate and Annual Percentage Yield are current as of the date of this publication. Fees may be charged to the account, which could reduce earnings. Offer may expire without notice. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Contact Exchange Bank for details regarding minimum average daily balance and additional tier interest rates on the Platinum Checking Account. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer.

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