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Purchasing a new home? Remodeling? or Considering a Refinance? Exchange Bank makes the mortgage process easy and convenient.

We're a full-service Community Bank with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that's just the beginning of our service.

Throughout the lending process, we provide regular loan updates and progress reports, so you always know the status of your loan. The exciting news is that we service many of the loan programs we offer. For the life of the loan our friendly staff will be able to assist you with your mortgage needs. We offer a variety of Mortgage Solutions.

Here is how our Mortgage Solutions compare:

Mortgage Solution Description 
Conventional Loans A fixed rate loan with a term of 15, 20 or 30 years. Your principal and interest payment will never change.
USDA Loans A fixed rate loan that allows borrowers to purchase a home with 100% financing. Borrowers and the subject property must meet the eligibility requirements to qualify for this type of loan.
FHA Loans A fixed rate loan insured by the Federal Housing Administration, allowing borrowers to purchase a home with a low down payment.
VA Loans A mortgage loan program for veterans and military members backed by the U.S. States Department of Veteran Affairs.
Jumbo Loans A mortgage loan above the standard conforming loan limits set forth by Fannie Mae and Freddie Mac.
Construction Conversions  A construction loan from the ground up that is converted into permanent financing.
 Our experienced staff are available to spend quality time with you to be sure you select the options that best meet your financial needs. We look forward to seeing you at one of our five convenient branch locations. We want to build a relationship that lasts a lifetime. Contact one of our friendly originators, to get you started, at 478-452-4531, or apply online. If you need assistance with interest statements, escrow or any post-closing help, our servicing department can be reached at 478-452-4531 or

Exchange Bank... YOUR Community Bank.
Melissa Thomas Swicord - NMLSR ID # 480419 | Jonathan Henry Pope - NMLSR ID # 478364 | Christopher Elisha Gibson - NMLSR ID # 895952 | Mary Lisa Beall - NMLSR ID # 480415 | Laura Lynn Poyner - NMLSR ID # 956068 | Donna McCullough Wall - NMLSR ID# 763794 | John Capers Childs Jr  - NMLSR ID# 918818 | Hugh Alwyn Becker III - NMLSR ID # 1119517  | Barbara Pierce Merritt- NMLSR ID # 1099174 | Miranda Perry Renfroe NMLSR ID # 1146685 | Roy Dale Washburn III - NMLSR ID # 1944208  | Maritsa Anai Vargas - NMLSR ID# 2027311 | Tiffany Michelle Cline NMLSR ID# 1174571 | Jessica Moats Peeler NMLSR ID # 658274 | Keith W Davis NMLSR ID# 690866 | Stacey Leigh Herbert Keaton NMLSR ID# 415818 | Jennifer Marie Braswell NMLSR ID# 478361 | Carol S Holt NMLSR ID#201346

Common Questions

We offer a variety of ways for borrowers to pay their loan payments.
  • We offer automatic payments from deposit accounts. To set up automatic payments, you will need to sign a form authorizing us to debit your deposit account. Visit one of our five convenient locations in person or contact your lender or our servicing department at 478-452-4531, if you prefer to use electronic delivery and e-sign.  
  • You may also transfer funds from an Exchange Bank deposit account using Internet Banking or Mobile Banking.
  • Our Online Payment Portal allows you to make your loan payment using another financial institution's deposit account. 
  • Our Loan Servicing Department is available during business hours to take payments over the phone. (If you are calling to do a transfer from another financial institution's deposit account, please have your routing and account number ready).
  • If you prefer to pay with cash or check, visit one of our locations, and one of our friendly tellers can process your payment. Use our ATM Night Deposit for after hours.
  • You can also mail your payment to Exchange Bank: P.O. Box 580, Milledgeville GA 31059-0580. If a mailed payment is received at the specified location after 5:00 pm eastern time, the payment will be credited the next business day.  
Contact one of our Loan Servicing Representatives at 478-452-4531 for a current payoff quote.
Contact our Loan Servicing Department at 478-452-4531 to request a new coupon book. We will prepare and mail a new booklet to you. 
Real Estate collateral can take around 30 days for processing and satisfied collateral documents to be returned to you. 
Yes. If you did not set up an escrow account at closing, contact our Loan Servicing Department at 478-452-4531 for assistance with setting up an escrow account. 
No. Keep the bill you received for your records. We gather property tax information and will process your property tax payment out of your escrow account before the due date. 
Security deeds are public records and often the target of many scams. Read this article to help understand why this happens and some actions to reduce unwanted mail.

While it's important to note that credit score requirements differ based on specific loan programs and individual financial circumstances, here are some helpful tips you can follow to ensure a successful homeownership journey. We advise that you contact our seasoned mortgage specialists for personalized guidance tailored to your unique situation.

To manage your mortgage effectively, it is essential to have a clear understanding of your monthly payments. While the principal and interest payments are often mentioned, it is equally important to understand the difference between these and your total monthly payment. Learn more: Differentiating Between Principal and Interest and Total Monthly Payment

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