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.
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.
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.
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.
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.
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.
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!
A little-known rural loan program through the USDA eliminates the down payment hurdle for qualified candidates.
Restrictions apply. See a Exchange Bank Home Mortgage Loan Officer for complete details.
