CONVENTIONAL 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. APPLY ONLINE NOW Fixed Rate Options: Terms range from 10 – 30 years You may use a conventional loan to finance a property in a high-cost area A variety of loan terms are available – your’re not limited to 15 and 30 year terms Down payments as low as 3% depending on your loan amount REFINANCE IS ALWAYS AN OPTION 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. Your home may not require a new appraisal Self-employed borrowers may qualify Allowed property types include single-family residences, condominiums and properties in Planned Unit Development (PUDs) You may add or remove a co-borrower Call one of our lenders to discuss possible options and they can run some numbers to see if it helps your personal cashflow. TWIN RIVER BANK BRANCHES 1507 G St, Lewiston, ID 83501 (208) 746-4848 3330 10th St, Lewiston, ID 83501 (208) 743-4848 900 5th St, Clarkston, WA 99403 (509) 758-4848 201 2nd St, Asotin, WA 99402 (509) 243-8848 ATMs, Night Deposit Drops, Online Banking, Bill Payment, Remote Check Deposit, VISA ATM / Check Card 2020 – 2021 COPYRIGHT – TWIN RIVER BANK TWIN RIVER BANK – NMLS #680539 © 2021 Twin River Bank Home Loans. Proudly powered by Sydney

SHOP WITH LIVING QUARTERS A popular option in our area is a shop with living quarters (can be primary or secondary residence). We have financed the construction and final term loan for many of these. They are beautiful and practical for the Northwest and our outdoor activities! Lots in city limits with established utilities. Rural property with water, septic and utilities. TWIN RIVER BANK BRANCHES 1507 G St, Lewiston, ID 83501 (208) 746-4848 3330 10th St, Lewiston, ID 83501 (208) 743-4848 900 5th St, Clarkston, WA 99403 (509) 758-4848 201 2nd St, Asotin, WA 99402 (509) 243-8848 ATMs, Night Deposit Drops, Online Banking, Bill Payment, Remote Check Deposit, VISA ATM / Check Card 2020 – 2021 COPYRIGHT – TWIN RIVER BANK TWIN RIVER BANK – NMLS #680539 © 2021 Twin River Bank Home Loans. Proudly powered by Sydney