Empty house entry.

Real Estate Loans

Chances are, owning your own home has been a lifelong dream, and we are willing to bet that you haven’t been daydreaming about all the different financing options available. You have been picturing hanging Christmas stockings over the fireplace and family barbeques during the summer. At Exchange Bank, we will help you pick the right loan to help you make your dreams a reality.

Build or Purchase Your Dream Home

Remodel Your Home

Refinance an Existing Real Estate Loan

Purchase/Refinance Land

Consolidate Debt

Use Your Current Home to Purchase Your New Dream Home

And So Much More …

We offer several flexible financing options for your next real estate venture. 

Let Exchange Bank Make Your Dream A Reality!


Competitive Products, Rates and Terms Available For:

  • Primary Residence
  • Second Home
  • Vacation Home
  • Vacant Land
  • Vacant Land with Improvements

We understand that the number of options available to borrowers and all the loan jargon can be overwhelming to borrowers. Our knowledgeable staff will help you pick the best loan to fit your needs and guide you through the process. We make it as easy as 1-2-3. Contact one of our friendly lenders, to get you started, at 478-452-4531. 


We are here to assist you after you complete your loan. Our Loan Servicing Team can assist you from closing to payoff and everything in between. We want to build a relationship that lasts a lifetime. 

Exchange Bank... YOUR Community Bank.

Loan Originators/Processors 
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

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. 
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. 
Real Estate collateral can take around 30 days for processing and satisfied collateral documents to be returned to you. 
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. 
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.

Coworkers in office.

A variety of accounts – for every business need

Our experienced Customer Service Representatives are available to spend quality time with you to be sure you select the options that best meet your financial needs. We’re here to help!