{"id":2967,"date":"2024-05-21T15:08:54","date_gmt":"2024-05-21T22:08:54","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=2967"},"modified":"2026-03-19T09:14:02","modified_gmt":"2026-03-19T16:14:02","slug":"fha","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=2967","title":{"rendered":"FHA"},"content":{"rendered":"\n<style>\n  .trb-fha { font-family: inherit; }\n  .trb-fha .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-fha .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-fha .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-fha .hero-inner{ position: relative; z-index: 1; }\n  .trb-fha .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-fha .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-fha .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-fha .btnrow{\n    display:flex;\n    justify-content:center;\n    flex-wrap:wrap;\n    gap:12px;\n  }\n  .trb-fha .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-fha .btn:hover{\n    background:#00355f;\n    text-decoration:none;\n  }\n\n  \/* SECTIONS *\/\n  .trb-fha .section{ padding:74px 0; }\n  .trb-fha .section.alt{\n    background: linear-gradient(180deg, #f7f9fb 0%, #f2f6fb 100%);\n  }\n\n  \/* TYPE *\/\n  .trb-fha h2{\n    font-size:28px;\n    margin:0 0 34px;\n    color:#0b2440;\n    text-align:center;\n  }\n  .trb-fha h3{\n    font-size:20px;\n    margin:0 0 12px;\n    color:#0b2440;\n  }\n  .trb-fha p{\n    margin:0 0 14px;\n    color:#2f3640;\n    line-height:1.7;\n  }\n  .trb-fha a{\n    color:#004b87;\n    font-weight:800;\n    text-decoration:none;\n  }\n  .trb-fha a:hover{ text-decoration:underline; }\n\n  \/* GRID *\/\n  .trb-fha .grid{\n    display:grid;\n    grid-template-columns: repeat(12, 1fr);\n    gap:24px;\n  }\n  .trb-fha .card{\n    grid-column: span 12;\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-fha .card.half{ grid-column: span 6; }\n  .trb-fha .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-fha ul{\n    margin:0;\n    padding-left:18px;\n  }\n  .trb-fha li{\n    margin:8px 0;\n    color:#2f3640;\n    line-height:1.65;\n  }\n\n  \/* BRANCHES *\/\n  .trb-fha .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-fha .hero h1{ font-size:32px; }\n    .trb-fha .card.half{ grid-column: span 12; }\n  }\n<\/style>\n\n<div class=\"trb-fha\">\n\n  <!-- HERO -->\n  <section class=\"hero\">\n    <div class=\"wrap hero-inner\">\n      <div class=\"badge\">Home Loans<\/div>\n      <h1>FHA<\/h1>\n      <p>\n        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\u2019s insurance lessens a lender\u2019s risk when offering loans to buyers with limited funds for a down payment and\/or for imperfect credit.\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  <!-- FHA LOANS -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>FHA Loan Options<\/h2>\n\n      <div class=\"grid\">\n        <div class=\"card half\">\n          <h3>FHA Loans<\/h3>\n          <ul>\n            <li>You may qualify to buy with a low, 3.5% down payment.<\/li>\n            <li>Credit scores from 580 are allowed for fixed-rate loans.<\/li>\n            <li>You may finance a single-family home, 2-4 unit property, modular home, condominium or a Planned Unit Development (PUD) property.<\/li>\n            <li>Temporary buydowns may reduce your initial interest rate for 1-2 years.<\/li>\n          <\/ul>\n        <\/div>\n\n        <div class=\"card half\">\n          <h3>FHA 203(k) FIXED RATE REHAB<\/h3>\n          <p>\n            An FHA 203(k) Rehab loan enables you to buy a home that\u2019s in need of repairs or renovations by providing additional funding before move-in.\n          <\/p>\n          <ul>\n            <li>Credit scores from 620 are allowed.<\/li>\n            <li>You are required to finance at least $5,000 of renovation \/ repair work.<\/li>\n            <li>An FHA Rehab\u2019s total loan amount depends on several factors, including your home\u2019s \u201cas completed\u201d appraised value after renovations.<\/li>\n            <li>Eligible properties include single-family homes, 2-4 unit properties, modular homes and Planned Unit Development (PUD) properties.<\/li>\n            <li>Fixed-rate, 30 year loans keep your monthly budgeting simple.<\/li>\n          <\/ul>\n        <\/div>\n\n        <div class=\"card full\">\n          <h3>FHA STREAMLINE REFINANCE<\/h3>\n          <p>\n            If you currently have an FHA mortgage, an FHA Streamline Refinance offers several options. If interest rates have fallen, you may refinance to the lower rate and enjoy lower monthly payments. You may also qualify to convert your Adjustable Rate Mortgage (ARM) to a fixed-rate loan and \u201clock in\u201d an affordable interest rate, or shorten your loan\u2019s term to reduce the amount of interest you pay over the life of the loan.\n          <\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- BRANCHES -->\n  <section class=\"section alt\">\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","protected":false},"excerpt":{"rendered":"<p>Home Loans FHA An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2967","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2967","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2967"}],"version-history":[{"count":3,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2967\/revisions"}],"predecessor-version":[{"id":3777,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2967\/revisions\/3777"}],"wp:attachment":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2967"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}