Young Exchange Bank customer couple with child on Dad's back outside of home in Sonoma County.

Personal Loans

Take Control of Your Finances

What can we help you with?

Home Loans

Interested in a home loan? Apply online or contact our mortgage department or any Exchange Bank branch to request a complimentary mortgage review. Call 707.541.1490 or 800.995.4066

Let's put keys into your hands 

  • Purchase, refinance, lot financing, construction, FHA, and VA loans
  • Competitive interest rates on a variety of home loan options
  • One-on-one personal, local service with our experienced in-house loan consultants
Contact Us

Lower your initial payments with an interest-only mortgage.

During the interest-only payment period, only the monthly interest payment is required. Once the interest-only period ends, interest and principal payments are required. Call 707.541.1490 to speak with a loan expert.

Tap into the equity in your house to get a line of credit you can use for large or unexpected expenses. Home equity lines of credit are underwritten locally—giving you direct access to experienced local loan officers.

Access funds whenever needed—up to an approved credit limit with our personal line of credit.

  • Lines of credit from $5,000 – $100,000
  • Easy access to funds available through your checking account
  • Credit line is approved without collateral
  • Low monthly payments
  • No origination fee or prepayment penalties

With no collateral required, you can borrow a specific amount of money at one time and pay it back through regular monthly payments. A personal loan can help you consolidate debt, make a large purchase or cover an emergency.

  • Loans from $1,500 – $100,000
  • Fixed rate, fixed monthly payments
  • No collateral required

Access funds whenever needed – up to an approved credit limit with our Overdraft Line of Credit Account.

  • Lines of credit from $300 – $5,000
  • Easy access to funds available to you when you need them
  • Credit line is approved without collateral
  • No origination fee or prepayment penalties

Purchase a new or used car with a competitive fixed-rate auto loan.

  • Fixed-rate, term and monthly payments
  • Discounts for qualified customers with automatic payments
  • Flexible options are available based on price, down payment, and terms

Contact our Mortgage Team

Kevin Smart

Senior Vice President, Residential Mortgage Manager


Bryan Komisor

Mortgage Loan Consultant


Phitsa Chandara

Mortgage Loan Consultant


Contact Us

Can’t come to the branch? Discuss your questions with us over the phone.