{"id":2973,"date":"2024-05-22T10:50:09","date_gmt":"2024-05-22T17:50:09","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=2973"},"modified":"2026-04-03T11:11:58","modified_gmt":"2026-04-03T18:11:58","slug":"lot-land-loans","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=2973","title":{"rendered":"Lot \/ Land Loans"},"content":{"rendered":"\n<style>\n  .trb-land { font-family: inherit; }\n  .trb-land .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-land .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-land .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-land .hero-inner{ position: relative; 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}\n  .trb-land .section.alt{\n    background: linear-gradient(180deg, #f7f9fb 0%, #f2f6fb 100%);\n  }\n\n  \/* TYPE *\/\n  .trb-land h2{\n    font-size:28px;\n    margin:0 0 34px;\n    color:#0b2440;\n    text-align:center;\n  }\n  .trb-land h3{\n    font-size:20px;\n    margin:0 0 12px;\n    color:#0b2440;\n  }\n  .trb-land p{\n    margin:0 0 14px;\n    color:#2f3640;\n    line-height:1.7;\n  }\n  .trb-land a{\n    color:#004b87;\n    font-weight:800;\n    text-decoration:none;\n  }\n  .trb-land a:hover{ text-decoration:underline; }\n\n  \/* GRID *\/\n  .trb-land .grid{\n    display:grid;\n    grid-template-columns: repeat(12, 1fr);\n    gap:24px;\n  }\n  .trb-land .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-land .card.full{ grid-column: span 12; }\n  .trb-land .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-land ol,\n  .trb-land ul{\n    margin:0;\n    padding-left:20px;\n  }\n  .trb-land li{\n    margin:8px 0;\n    color:#2f3640;\n    line-height:1.65;\n  }\n\n  \/* BRANCHES *\/\n  .trb-land .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-land .hero h1{ font-size:32px; }\n    .trb-land .card{ grid-column: span 12; }\n  }\n<\/style>\n\n<div class=\"trb-land\">\n\n  <!-- HERO -->\n  <section class=\"hero\">\n    <div class=\"wrap hero-inner\">\n      <div class=\"badge\">Home Loans<\/div>\n      <h1>Lot \/ Land Loans<\/h1>\n    <\/div>\n  <\/section>\n\n  <!-- CONTENT -->\n  <section class=\"section\">\n    <div class=\"wrap\">\n      <h2>Raw land vs. Lots<\/h2>\n\n      <div class=\"grid\">\n        <div class=\"card\">\n          <h3>Raw land<\/h3>\n          <p>\n            Raw land is just land, which may or may not be suitable for development.\n          <\/p>\n        <\/div>\n\n        <div class=\"card\">\n          <h3>Lots<\/h3>\n          <p>Lots are intended for residential development, and likely to have the following:<\/p>\n          <ol>\n            <li>A building permit or perhaps appropriate zoning<\/li>\n            <li>A survey report with stakes denoting the site\u2019s boundaries<\/li>\n            <li>Access across public roads OR rights to access through a permanent easement<\/li>\n            <li>Utilities on site or nearby, such as mains water, electricity and perhaps natural gas<\/li>\n            <li>Access to a public sewer or a viable option of providing a private alternative<\/li>\n          <\/ol>\n        <\/div>\n\n        <div class=\"card\">\n          <h3>LOT LOANS<\/h3>\n          <p>\n            Borrowing for a lot is typically much easier than getting a loan for raw land. Twin River Bank will typically loan on lots for a 2 year term with interest payments monthly. The goal is for the borrower to construct a home on the lot within that 2 year timeline, get their current home sold, gather plans and bids for construction, etc.\n          <\/p>\n          <div class=\"btnrow\" style=\"justify-content:flex-start; margin-top:10px;\">\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          <h3>LAND LOANS<\/h3>\n          <p>\n            Expect to make a bigger down payment (35 \u2013 50 percent) and pay a higher interest rate if you want a land loan. We typically offer a HELOC to finance land loans rather than a bare land loan; however we will consider a land loan to our local borrowers who have a strong balance sheet and good cashflow to service the debt.\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 Lot \/ Land Loans Raw land vs. Lots Raw land Raw land is just land, which may or may not [&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-2973","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2973","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=2973"}],"version-history":[{"count":3,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2973\/revisions"}],"predecessor-version":[{"id":3803,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2973\/revisions\/3803"}],"wp:attachment":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}