{"id":2945,"date":"2024-05-16T10:10:49","date_gmt":"2024-05-16T17:10:49","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=2945"},"modified":"2026-03-11T09:48:44","modified_gmt":"2026-03-11T16:48:44","slug":"home-loan-process","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=2945","title":{"rendered":"Home Loan Process"},"content":{"rendered":"\n<style>\n  .trb-hlp { font-family: inherit; }\n  .trb-hlp .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-hlp .hero{\n    position: relative;\n    padding: 86px 0 72px;\n    text-align: center;\n    overflow: hidden;\n    background:\n      radial-gradient(1200px 420px at 50% 0%, rgba(0,75,135,.20), rgba(0,75,135,0) 60%),\n      linear-gradient(180deg, #f3f7fb 0%, #e9eff6 100%);\n  }\n  .trb-hlp .hero:before{\n    content:\"\";\n    position:absolute;\n    inset:0;\n    background-image: radial-gradient(rgba(11,36,64,.07) 1px, transparent 1px);\n    background-size: 18px 18px;\n    opacity: .35;\n    pointer-events:none;\n  }\n  .trb-hlp .hero-inner{ position: relative; z-index: 1; }\n  .trb-hlp .badge{\n    display:inline-block;\n    padding:8px 12px;\n    border-radius:999px;\n    background:rgba(255,255,255,.75);\n    border:1px solid rgba(11,36,64,.12);\n    font-weight:800;\n    font-size:14px;\n    margin-bottom:14px;\n    color:#0b2440;\n  }\n  .trb-hlp .hero h1{\n    font-size:40px;\n    line-height:1.15;\n    margin:0 0 14px;\n    color:#0b2440;\n    letter-spacing:.2px;\n  }\n  .trb-hlp .hero p{\n    max-width:980px;\n    margin:0 auto 22px;\n    color:#2f3640;\n    font-size:18px;\n    line-height:1.65;\n  }\n\n  \/* BUTTON *\/\n  .trb-hlp .btnrow{\n    display:flex;\n    justify-content:center;\n    flex-wrap:wrap;\n    gap:12px;\n  }\n  .trb-hlp .btn{\n    display:inline-flex;\n    align-items:center;\n    justify-content:center;\n    padding:12px 18px;\n    border-radius:14px;\n    font-weight:900;\n    text-decoration:none;\n    border:2px solid rgba(0,75,135,.55);\n    color:#fff;\n    background:#004b87;\n    box-shadow:0 10px 22px rgba(0,0,0,.06);\n  }\n  .trb-hlp .btn:hover{\n    background:#00355f;\n    text-decoration:none;\n  }\n\n  \/* SECTIONS *\/\n  .trb-hlp .section{ padding:74px 0; }\n  .trb-hlp .section.alt{\n    background: linear-gradient(180deg, #f7f9fb 0%, #f2f6fb 100%);\n  }\n\n  \/* TYPE *\/\n  .trb-hlp h2{\n    font-size:28px;\n    margin:0 0 34px;\n    color:#0b2440;\n    text-align:center;\n  }\n  .trb-hlp h3{\n    font-size:20px;\n    margin:0 0 12px;\n    color:#0b2440;\n  }\n  .trb-hlp p{\n    margin:0 0 14px;\n    color:#2f3640;\n    line-height:1.7;\n  }\n  .trb-hlp a{\n    color:#004b87;\n    font-weight:800;\n    text-decoration:none;\n  }\n  .trb-hlp a:hover{ text-decoration:underline; }\n\n  \/* GRID *\/\n  .trb-hlp .grid{\n    display:grid;\n    grid-template-columns: repeat(12, 1fr);\n    gap:24px;\n  }\n  .trb-hlp .card{\n    grid-column: span 6;\n    background:#fff;\n    border:1px solid rgba(0,0,0,.08);\n    border-radius:18px;\n    padding:26px;\n    box-shadow:0 10px 22px rgba(0,0,0,.06);\n    position:relative;\n  }\n  .trb-hlp .card.full{ grid-column: span 12; }\n  .trb-hlp .card:before{\n    content:\"\";\n    position:absolute;\n    top:0;\n    left:18px;\n    right:18px;\n    height:4px;\n    border-radius:0 0 999px 999px;\n    background:linear-gradient(90deg,#004b87,#2a7cc5);\n  }\n  .trb-hlp .stepnum{\n    display:inline-block;\n    min-width:32px;\n    height:32px;\n    line-height:32px;\n    text-align:center;\n    border-radius:999px;\n    background:#eef2f8;\n    color:#0b2440;\n    font-weight:900;\n    margin-bottom:12px;\n    border:1px solid rgba(11,36,64,.10);\n    padding:0 10px;\n  }\n\n  \/* DELAYS *\/\n  .trb-hlp ul{\n    margin:0;\n    padding-left:18px;\n  }\n  .trb-hlp li{\n    margin:8px 0;\n    color:#2f3640;\n    line-height:1.65;\n  }\n\n  \/* BRANCHES *\/\n  .trb-hlp .branches{\n    max-width:980px;\n    margin:0 auto;\n    background:#eef2f8;\n    border-radius:18px;\n    padding:22px 24px;\n    box-shadow:0 12px 26px rgba(0,0,0,.08);\n    font-size:17px;\n    line-height:1.85;\n    color:#2f3640;\n  }\n\n  @media (max-width:900px){\n    .trb-hlp .hero h1{ font-size:32px; }\n    .trb-hlp .card{ grid-column: span 12; }\n  }\n<\/style>\n\n<div class=\"trb-hlp\">\n\n  <!-- HERO -->\n  <section class=\"hero\">\n    <div class=\"wrap hero-inner\">\n      <div class=\"badge\">Home Loans<\/div>\n      <h1>Home Loan Process<\/h1>\n      <p>\n        If you\u2019re interested in buying a home, Twin River Bank can help you make it happen. Contact one of our loan officers today or apply online in less than 15 minutes using our secure online application \u2013 no application fee.\n      <\/p>\n      <div class=\"btnrow\">\n        <a class=\"btn\" href=\"https:\/\/twinriver.mymortgage-online.com\" target=\"_blank\" rel=\"noopener\">APPLY ONLINE NOW<\/a>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- PROCESS -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>Loan Process<\/h2>\n\n      <div class=\"grid\">\n        <div class=\"card\">\n          <div class=\"stepnum\">1<\/div>\n          <h3>LOAN MEETING (10-20 minutes)<\/h3>\n          <p>\n            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.\n          <\/p>\n        <\/div>\n\n        <div class=\"card\">\n          <div class=\"stepnum\">2<\/div>\n          <h3>LOAN PRE-QUALIFICATION \u2013 TIME TO GO SHOPPING FOR A HOME WITH YOUR REALTOR OR ONLINE<\/h3>\n          <p>\n            A loan pre-qualification is a request for an indication of the type and amount of loan you may be eligible to receive. It does not constitute an application or a commitment to lend. A loan pre-qualification turns into a loan application at the time credit is requested by an applicant. Because a completed loan application is required to obtain loan approval, it is very important that any requests for additional documentation be provided in a timely manner.\n          <\/p>\n        <\/div>\n\n        <div class=\"card\">\n          <div class=\"stepnum\">3<\/div>\n          <h3>LOAN APPLICATION (15 minutes)<\/h3>\n          <p>\n            Complete and Sign Application \u2013 Upon your request, we will send you a loan application form and disclosures. Once complete we will send a Loan Estimate to you to review. To expedite your loan approval, you will be asked to review, sign and return these documents to us in a timely manner (generally by DocuSign which sends an email to your cell phone, tablet or laptop) You may also stop by a branch and sign or return by mail or fax.\n          <\/p>\n          <div class=\"btnrow\" style=\"justify-content:flex-start; margin-top:8px;\">\n            <a class=\"btn\" href=\"https:\/\/twinriver.mymortgage-online.com\" target=\"_blank\" rel=\"noopener\">APPLY ONLINE NOW<\/a>\n          <\/div>\n        <\/div>\n\n        <div class=\"card\">\n          <div class=\"stepnum\">4<\/div>\n          <h3>PROCESSING THE APPLICATION (3-5 days)<\/h3>\n          <p>\n            Processing the Application \u2013 Upon receipt of your application package, a lender will verify for accuracy, your credit, income, and asset information, then complete a credit and income decision.\n          <\/p>\n          <p>\n            Underwriting the Loan for Approval \u2013 The final underwriting process to approve or deny a loan is typically completed within 24 hours of final processing. Each underwriting decision is based upon several basic factors including without limitation, credit, income, debt to income ratios, cash savings, and property appraisal. Your lender will contact you with specific underwriting conditions to get them handled quickly.\n          <\/p>\n        <\/div>\n\n        <div class=\"card full\">\n          <div class=\"stepnum\">5<\/div>\n          <h3>APPRAISAL \/ TITLE WORK \/ HOME INSPECTION (2 weeks)<\/h3>\n          <p>\n            The bank will order your appraisal and will require the fee be paid up front. The average cost of an appraisal is $450-$650. An appraiser will inspect the interior and exterior of the property and compare the home with other homes that have recently sold in the same neighborhood. The appraiser will provide a written report and assign a market value.\n          <\/p>\n          <p>\n            A title company\/ settlement agent is also selected to handle your closing. You will need to select a company with whom you prefer to work. We encourage you to contact your lender, at any time with questions or concerns relating to your loan.\n          <\/p>\n          <p>\n            If you choose to get a home inspection when you purchase a home \u2013 it is your right and very important to protect yourself from repairs and other future problems. You need to schedule an inspection as soon as the Home Purchase &amp; Sale Agreement is accepted. A home inspector prepares a written report and should alert you to problems which will give you time to renegotiate the sales price or have the home repaired in time to close on the loan.\n          <\/p>\n        <\/div>\n\n        <div class=\"card full\">\n          <div class=\"stepnum\">6<\/div>\n          <h3>CLOSING DOCUMENTS \/ FUNDING (3 \u2013 5 days)<\/h3>\n          <p>\n            After your loan has been approved, closing documents will be prepared and then provided to the title company closing agent for your signature. Signing usually occurs three business days after your receive your Closing Disclosures to review. After the closing documents are executed, your loan is recorded. Once you have signed the closing documents, you may need to provide funds for closing and normally the title company will require those funds in a Cashier\u2019s Check.\n          <\/p>\n          <p>\n            Depending upon the type of transaction, funds will generally be disbursed same day or within one business day upon our receipt of the fully executed documents and recording of the Deed of Trust\/Mortgage has been completed.\n          <\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- POSSIBLE DELAYS -->\n  <section class=\"section alt\">\n    <div class=\"wrap\">\n      <h2>POSSIBLE DELAYS<\/h2>\n\n      <div class=\"card full\">\n        <p>\n          All time periods are estimates and are dependent on receiving completed documentation, loan approval guidelines, and the services provided by third party vendors.\n        <\/p>\n        <ul>\n          <li>If your inspector finds problems with the property, often the loan is held up until the problems are fixed or the buyer\/seller could decide to set aside funds to fix the problem and go ahead with the closing.<\/li>\n          <li>The secondary market lender may have issues with the home appraisal and the original appraisal is put under review.<\/li>\n          <li>There could be problems with the title and it may take time to clear them up in order for the Title Company to provide title insurance to the buyer and lender.<\/li>\n          <li>If incomplete documentation is provided by borrower.<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- BRANCHES -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>TWIN RIVER BANK BRANCHES<\/h2>\n\n      <div class=\"branches\">\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=1507%20G%20St%2C%20Lewiston%2C%20ID%2083501\">1507 G St, Lewiston, ID 83501<\/a> \u2014 (208) 746-4848<\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=3330%2010th%20St%2C%20Lewiston%2C%20ID%2083501\">3330 10th St, Lewiston, ID 83501<\/a> \u2014 (208) 743-4848<\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=900%205th%20St%2C%20Clarkston%2C%20WA%2099403\">900 5th St, Clarkston, WA 99403<\/a> \u2014 (509) 758-4848<\/div>\n        <div><a href=\"https:\/\/www.google.com\/maps\/search\/?api=1&#038;query=201%202nd%20St%2C%20Asotin%2C%20WA%2099402\">201 2nd St, Asotin, WA 99402<\/a> \u2014 (509) 243-8848<\/div>\n\n        <div style=\"margin-top:12px;\">\n          ATMs, Night Deposit Drops, Online Banking, Bill Payment, Remote Check Deposit, VISA ATM \/ Check Card email\n          <a href=\"mailto:info@twinriver.bank\">info@twinriver.bank<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n<\/div>\n\n\n\n<ul class=\"wp-block-list\"><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Home Loans Home Loan Process If you\u2019re interested in buying a home, Twin River Bank can help you make it happen. 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