YOUR CREDIT SCORE Credit scores range from 300 to a perfect 850, and are based on information the credit bureaus receive about you from credit cards and any others you’ve ‘borrowed’ from in the past including automotive, student and other types of lenders. This information may include your payment history, the length of your credit history (in years), the kinds of credit you have and amounts owed. The higher your score is, the better. Your credit score is based on five key financial criteria: Payment History: About 35% of your credit score is based on your bill payment history. Amounts Owed: About 30% of your score is based on the amount of money you currently owe. Length of Credit History: About 15% of your score is based on how long you’ve been taking on bills – and paying them. How Much Credit?: About 10% of your score is based on new credit activity. Types of Credit: About 10% of your score is based on the kinds of credit you have, e.g., car payments, mortgage payments, credit card bills, school loans and the like. What to Do If You Have Less Than Stellar Credit While credit has tightened since 2008, home buyers with less than stellar credit still have options. Additionally, there are a number of loan products available for low- to moderate-income buyers. Visit with your loan officer to learn about what options are available to you. 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

USDA Home Loan USDA loans are designed for homebuyers in rural locations who do not qualify for a conventional loan. They feature low down payments and relaxed qualifying guidelines. Properties must be in a rural area designated by the US Department of Agriculture. APPLY ONLINE NOW FEATURES & BENEFITS Available for Purchase or Refinances (subject to program stipulations and applicable state income and property limits) Available for Eligible Homebuyers Zero Down Payment Competitive Fixed Rates No Cash Reserves Required Guarantee Fee can be financed Closing Costs can be paid by Seller 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