Mortgage Lending

The Exchange Bank has a team with over 80 years combined mortgage lending experience to better assist you. "Home ownership, now more than ever, is the cornerstone of the American dream. Our owners are driven to provide every means possible to help make that happen," said Dwight Hamann (Stillwater President). Come visit our mortgage lenders in Perry and Stillwater to see why we can help you obtain your dream of home ownership!

 

Types of Loans Offered

Conventional

These loans are the most common type of mortgage. They typically require a down payment of twenty percent or private mortgage insurance. Conventional loans provide a fixed rate or an adjustable for 15-30 years.

FHA

Federal Housing Administration. FHA loans are government insured and ideal for first time home buyers. They require a minimum down payment of 3.5% and offer other generous terms.

VA

Veterans Administration. VA loans are government insured. They are available to qualified veterans and active members of the United States Military and require little or no down payment. Their many attractive features include 100% financing and lower rates than conventional loans.

Rural Development

If you live in a rural county you may qualify for one of these government guaranteed loans. Rural Development loans offer 102% financing, flexible credit documentation and other favorable features.

Second Mortgage

Amortizing mortgage for up to 90% of the appraised value.

Equity Line of Credit

Create a second mortgage on your home for up to 90% of the appraised value.

Construction

Construction line of credit secured by a mortgage on your proposed home for up to 90% of the appraised value.

No Subprime Involvement

Exchange Bank does not originate, hold, or purchase sub-prime loans. As a result, it has remained strong in today's challenging economic climate. In fact, our company is capitalizing on market conditions to expand into new territories in Oklahoma and Colorado.

Let's Get Started

In order to begin evaluating and processing a loan for you, we will need the following informationů

Residential Loan Application

For more information please contact any of our Mortgage Loan Specialists....

STILLWATER

PERRY

Linda Dickerson

Phone: 405.743.6023

E-mail: ldickerson@easybanking.net

NMLS# 741217

Lois Malget

Phone: 580.572.8527

E-mail: lmalget@easybanking.net

NMLS# 757390

Robin Dye

Phone: 405.743.6036

E-mail: rlargent@easybanking.net

 

Rick Arterberry

Phone: 580.572.8528

E-mail: rarterberry@easybanking.net

NMLS# 892430

Jeannie Layes

Phone: 405.743.6037

E-mail: jlayes@easybanking.net

 

 

Nicole Prince

Phone: 405.743.6038

E-mail: nprince@easybanking.net

 

 

Haley Annuschat

Phone: 405.743.6042

E-mail: hrieff@easybanking.net

 

 

EXCHANGE BANK HOME LOANS

4301 W. 6th

Stillwater, OK 74074

 

Phone: 405.742.0202

Fax: 405.742.0101

 

Monday thru Friday

8:00am to 5:00pm

Saturday

By Appointment

 

EXCHANGE BANK HOME LOANS

523 Delaware

Perry, OK 73077

 

Phone: 580.336.5531

Fax: 580.336.3297

 

Monday- Wednesday & Friday

8:30am-3:00pm

Thursday

8:30am-5:00pm