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.
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.
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.
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.
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.
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