Personal eBanking Upgrade: Scheduled Downtime

To prepare for the Exchange OnLine upgrade, personal online and mobile banking will be unavailable from Friday, June 13 at 8 PM CST through the morning of Monday, June 16. Please review the Personal eBanking Upgrade blog for details and complete any recommended steps to ensure a smooth transition! 

Holiday Closing - Juneteenth

Our offices will be closed on Thursday, June 19, for Juneteenth. 

Holiday Closing Schedule and Notice

Home Loans & Mortgage

National Exchange Bank & Trust has been helping your friends and neighbors finance their homes for many years. Whether you are a first-time buyer, want to move into a larger home, or want to refinance your existing home, National Exchange Bank has many financing programs available to help make the process easy. Just fill out and submit an online application and one of our loan representatives will follow up on the status and answer any questions you may have. Our goal is to provide the highest level of service at competitive rates so you can sleep good at night in your home.

Apply Now

couple carrying boxes into a house with a sold sign in front

home loans app graphic

Download the
NEBAT home loan app

National Exchange Bank has many financing programs available to help make the home buying process easy. Our goal is to provide the highest level of service at competitive rates so you can sleep good at night in your home.

app store badge Google Play Icon

Get Started Find Your Lender

couple holding out a key, standing in front of a house

Looking for a Pre-Approval Letter? Try Pre-Qualification!

Unlock the door to your dream home with a pre-qualification letter. This helps you understand your buying power and shows sellers you're a serious buyer. Get started with our online loan application or reach out to your local lender to get your pre-qualification letter!

What are Adjustable Rate Mortgages (ARMs)?

Unlike a fixed loan, an Adjustable Rate Mortgage (ARM) home loan includes terms that allow the rate to change after a specified period of time.

First-Time Homebuyer?

With a competitive initial rate and special Loan to Value at a maximum of 95%, this is a great option to get you into your first home!
Ask your local lender about the details of this special 5/1 ARM!

Find Your Lender

3/1 and 5/1 ARMS

  • Loan Amounts up to $806,500
  • Owner Occupied 1-4 family homes and Second Homes are eligible
  • Minimum of 650 credit score with a maximum 30-year amortization
  • Loans over 80% Loan to Value require Private Mortgage Insurance
  • Loans retained and serviced by NEBAT
  • Purchase, Rate and Term Refinance, and Cash Out Refinances available
  • Rates and Terms subject to change

JUMBO 3/1 and 5/1 ARMS

  • Loan Amounts more than $806,500 up to $1 million
  • Owner Occupied 1-4 family homes and Second Homes are eligible
  • Minimum of 650 credit score with a maximum 25-year amortization
  • Loans over 80% Loan to Value require Private Mortgage Insurance
  • Loans retained and serviced by NEBAT
  • Purchase, Rate and Term Refinance, and Cash Out Refinances available
  • Rates and Terms subject to change

What is a Fixed Rate Mortgage?

With a fixed rate mortgage, the interest rate will remain the same for the duration of the loan. In return, your monthly payments remain the same.

Resources for Your Home Buying Journey

Home Buyer’s Guide

We understand that buying a home is an exciting and sometimes daunting prospect. Check out this roadmap infographic on the home buying process, and feel free to contact one of our lenders to simply ask questions. We are here to support you throughout your home buying process.

Mortgage Closing Checklist

Use this simple checklist to help you prepare for closing. Keep in mind that homebuyers can be the target of fraud, so it is important to make sure all communications are with your trusted representatives, not an impersonator. Being informed and prepared for closing may help you avoid being a victim of fraud.

Online Loan Applications

To help the government fight the funding of terrorism and money-laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What does this mean for you? When you open your account, we may ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver’s license information or other identifying documents.

Loan FAQs

Top
Some content requires Adobe Acrobat Reader to view.