Did you know Exchange Bank has been a real estate mortgage lender for more than 25 years? We attribute our ability to thrive in home loan lending, especially during the volatile housing market of recent years, to specific reasons: Our experienced mortgage lending team, our simplified online mortgage application, our common-sense approach to home loans, our success with placing you in the home loan that best fits your needs, and the economic recovery in the counties we serve, which are outpacing much of California.
Two more reasons stand out: Our foundation, rooted in the enduring strength of Exchange Bank as Sonoma County’s number one community bank. The second reason is our one-on-one personal service. Our Mortgage Loan Consultants provide an unmatched level of service to customers seeking a mortgage. Personalization is a defining aspect of our bank’s culture that we emulate within our loan department. When you call us, we call you back.
We know how valuable your time is, so we make it easy and convenient to apply online.
What type of home loan are you seeking? Click on one of the following applications to apply.
- Mortgage Loan Application
- Home Equity Line of Credit Application
- Home Equity Line of Credit Rates*
- Home Equity Loan Application
- Home Equity Loan Rates-Second Lien*
Working with You
Whether you contact one of our Mortgage Loan Consultants directly or apply for your mortgage online, we follow up with you within 24 hours. We can do that because we’re local and we’re professionals, but also because we want to build a lasting relationship with you and find the home loan that’s best for you.
We offer a wide range of mortgage lending products to finance your home purchase. Are you ready to buy up or to refinance in order to make that home improvement project a reality? Our home loan products include the following:
- Fixed or Adjustable
- Reverse Mortgage
We’re Making Loans Everyday
Home loans can be very complex. The mortgage process can be grueling. But not when you work with an Exchange Bank Mortgage Loan Consultant. Often we can close a home loan within 30 days and we’re closing loans every day for our customers. This is because home loan approvals are completed right in our local office. Local decision-making can make the difference on a successful closing on your dream home.
If you’re tired of the impersonal way big banks serve their customers, you’ll welcome the service our Mortgage Loan Consultants provide. We say we take a “common sense” approach to home loans — by that we mean the way in which we’ve created a flexible underwriting process. Many big banks have an automated process (through a secondary market) and often that means home loans that don’t fit in an automated way can be declined. For example, if you’re familiar with Sonoma County you know that many of our homes have a second “granny unit” on the property. These types of home loans often don’t fit the automated model big banks use for home loan approvals.
Expert Mortgage Loan Consultants Who Know Your Neighborhood
We’ve been a part of Sonoma County for more than 100 years. We get it. If you’re buying or refinancing a home with a second unit, or you’re ready to sell the home where you’ve been nurturing a small “hobby vineyard,” talk to us and avoid the potentially complicated closing you’d encounter with most big banks. We know Sonoma County, and we put our knowledge of the local market to work for you. Contact one of our Mortgage Loan Consultants today or call 800.995.4066 and you’ll quickly see what we mean by common sense.
We’re not just a Sonoma County mortgage lender. We have a home loan lending office in Roseville, CA that serves the ever-growing Placer County. You can reach the Roseville branch via phone at 916.788.7409. Exchange Bank’s Mortgage Loan Consultants place great importance on staying on top of their local real estate markets, recognizing trends in the mortgage business, and providing you with their expertise throughout the loan process. Their knowledge and experience are invaluable to home buying in Sonoma and Placer counties.
Applying for a Home Loan Online
If you prefer to apply for a home loan without having to visit a branch, then simply complete and submit the online mortgage application. Once you have submitted your loan application, you will receive an automated email response to the address with which you signed in, letting you know your application has been received. Your application will be immediately directed to the Exchange Bank home loan department, and within 24 hours one of our experienced Mortgage Loan Consultants will contact you regarding your application. It’s easy to get started.
Homeownership offers many rewards, including the emotional connection we make with our home. Homeownership also has tax benefits (be sure to speak to your CPA about your tax benefits), and provides the chance to build equity and credit worthiness. Homeownership also brings added responsibilities and a long-term commitment, both financially and geographically. It is not a step to take lightly and we know that. Let us help you take that step, knowing that as your local community bank, we’ll be with you every step of the way, for all your financial goals.