Twin River Bank is locally owned by your neighbors and we have invested here in the Lewis Clark Valley Since 1979! We have built a reputation as a community bank serving home buyers, real estate investors and builders. We have experienced mortgage lenders that can help you with a purchase, refinance, home improvement or construction lending. Our lenders will help you find the right loan-with the best rates, terms and costs to meet your personal needs.
Services
During the prequalification process, your Loan Officer will review your personal finances and home-buying goals to help you match the type of home you want to buy with what you can afford.
Your lender will discuss loan programs, down payment required, etc.
You'll need to document your assets, income and credit history by providing bank and investment statements, pay stubs and tax information such as a W-2 or tax return.
You loan officer will also request a credit report.
Once you decide to shop for a home you may want to work with a real estate agent.
Your lender will discuss loan programs, down payment required, etc.
You'll need to document your assets, income and credit history by providing bank and investment statements, pay stubs and tax information such as a W-2 or tax return.
You loan officer will also request a credit report.
Once you decide to shop for a home you may want to work with a real estate agent.
If you're interested in buying a home, Twin River Bank can help you make it happen.
Our loan officers are happy to answer your questions and assist you in finding the program that suits your personal home loan goals.
The greatest benefit to working with us is that you may choose not to leave home.
Nor do you have to spend hours filling out mountains of paperwork.
We enable you to inquire about available loan programs and rates online, over the telephone, by fax or by mail.
A loan pre-qualification is a request for an indication of the type and amount of loan you may be eligible to receive.
Our loan officers are happy to answer your questions and assist you in finding the program that suits your personal home loan goals.
The greatest benefit to working with us is that you may choose not to leave home.
Nor do you have to spend hours filling out mountains of paperwork.
We enable you to inquire about available loan programs and rates online, over the telephone, by fax or by mail.
A loan pre-qualification is a request for an indication of the type and amount of loan you may be eligible to receive.
Fixed rate mortgages have a locked interest rate for the entire term of your home loan, which usually ranges from 15 to 30 years.
If interest rates fall, you're stuck paying the higher rate (although refinancing is an option.)
Conversely, if rates rise, your fixed interest rate protects you from the high costs associated with loans attached to higher interest rates.
Variable rate mortgages, also known as adjustable rate mortgages (ARMs), are tied to the US Treasury interest rates.
Variable mortgages are serviced at Twin River Bank and generally the upfront loan closing costs are lower.
If interest rates fall, you're stuck paying the higher rate (although refinancing is an option.)
Conversely, if rates rise, your fixed interest rate protects you from the high costs associated with loans attached to higher interest rates.
Variable rate mortgages, also known as adjustable rate mortgages (ARMs), are tied to the US Treasury interest rates.
Variable mortgages are serviced at Twin River Bank and generally the upfront loan closing costs are lower.
Conventional loans are not insured by the FHA or VA.
Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.
Interest rates for conventional loans are usually some of the lowest available.
A Refinance is designed to help you make your existing mortgage more affordable.
For example, you may reduce your loan's interest rate to reduce your monthly payments, refinance to a fixed-rate loan from an adjustable-rate mortgage (ARM), or reduce your loan's term to save on interest.
Generally, these are a good option for homebuyers with higher credit scores and stable employment histories.
Interest rates for conventional loans are usually some of the lowest available.
A Refinance is designed to help you make your existing mortgage more affordable.
For example, you may reduce your loan's interest rate to reduce your monthly payments, refinance to a fixed-rate loan from an adjustable-rate mortgage (ARM), or reduce your loan's term to save on interest.
An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression.
The FHA's insurance lessens a lender's risk when offering loans to buyers with limited funds for a down payment and/or for imperfect credit.
You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.
An FHA 203(k) Rehab loan enables you to buy a home that's in need of repairs or renovations by providing additional funding before move-in.
The FHA's insurance lessens a lender's risk when offering loans to buyers with limited funds for a down payment and/or for imperfect credit.
You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.
An FHA 203(k) Rehab loan enables you to buy a home that's in need of repairs or renovations by providing additional funding before move-in.
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