{"id":2975,"date":"2024-05-23T14:20:25","date_gmt":"2024-05-23T21:20:25","guid":{"rendered":"https:\/\/www.twinriver.bank\/?page_id=2975"},"modified":"2026-04-07T14:38:05","modified_gmt":"2026-04-07T21:38:05","slug":"construction","status":"publish","type":"page","link":"https:\/\/www.twinriver.bank\/?page_id=2975","title":{"rendered":"Construction"},"content":{"rendered":"\n<style>\n  .trb-const { font-family: inherit; }\n  .trb-const .wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }\n\n  \/* HERO *\/\n  .trb-const .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-const .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  }\n  .trb-const .hero-inner{ position: relative; z-index: 1; }\n\n  .trb-const .badge{\n    display:inline-block;\n    padding:8px 12px;\n    border-radius:999px;\n    background:#fff;\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\n  .trb-const .hero h1{\n    font-size:40px;\n    margin:0 0 14px;\n    color:#0b2440;\n  }\n\n  .trb-const .hero p{\n    max-width:950px;\n    margin:0 auto 14px;\n    font-size:18px;\n    color:#2f3640;\n  }\n\n  \/* BUTTON *\/\n  .trb-const .btn{\n    display:inline-block;\n    padding:12px 18px;\n    border-radius:12px;\n    background:#004b87;\n    color:#fff;\n    font-weight:700;\n    text-decoration:none;\n    margin-top:18px;\n  }\n\n  \/* SECTION *\/\n  .trb-const .section{ padding:70px 0; }\n\n  .trb-const h2{\n    font-size:28px;\n    text-align:center;\n    margin-bottom:30px;\n    color:#0b2440;\n  }\n\n  .trb-const h3{\n    font-size:20px;\n    margin-bottom:10px;\n    color:#0b2440;\n  }\n\n  .trb-const p{\n    line-height:1.65;\n    margin-bottom:14px;\n  }\n\n  .trb-const ul{\n    padding-left:18px;\n  }\n\n  \/* GRID *\/\n\n  .trb-const .grid{\n    display:grid;\n    grid-template-columns:repeat(12,1fr);\n    gap:24px;\n  }\n\n  .trb-const .card{\n    grid-column:span 6;\n    background:#fff;\n    border:1px solid rgba(0,0,0,.08);\n    border-radius:16px;\n    padding:26px;\n    box-shadow:0 8px 20px rgba(0,0,0,.06);\n    position:relative;\n  }\n\n  .trb-const .card.full{\n    grid-column:span 12;\n  }\n\n  .trb-const .card:before{\n    content:\"\";\n    position:absolute;\n    top:0;\n    left:18px;\n    right:18px;\n    height:4px;\n    background:linear-gradient(90deg,#004b87,#2a7cc5);\n    border-radius:0 0 999px 999px;\n  }\n\n  \/* BRANCHES *\/\n\n  .trb-const .branches{\n    max-width:900px;\n    margin:auto;\n    background:#eef2f8;\n    border-radius:16px;\n    padding:24px;\n    line-height:1.9;\n    box-shadow:0 10px 25px rgba(0,0,0,.08);\n  }\n\n  @media(max-width:900px){\n    .trb-const .card{ grid-column:span 12; }\n    .trb-const .hero h1{ font-size:32px; }\n  }\n<\/style>\n\n<div class=\"trb-const\">\n\n<section class=\"hero\">\n<div class=\"wrap hero-inner\">\n\n<div class=\"badge\">Home Loans<\/div>\n\n<h1>Construction<\/h1>\n\n<p>Buy, Build or Remodel<\/p>\n<p>Consider building a brand new home!<\/p>\n<p>Or Remodel Your Existing Home!<\/p>\n\n<p>\nThere are many reasons to consider new construction rather than buying an existing home. No matter if you\u2019ve already purchased land or are looking for the perfect spot to build, a brand new home can offer a number of benefits, such as choosing your floor plan, design elements, and upgrades that suit your lifestyle. New construction is as move-in ready as it gets, which makes getting settled a breeze.\n<\/p>\n\n<p>\nAND at Twin River Bank we make decisions locally and your construction draws\/inspections are handled by local folks.\n<\/p>\n\n<a class=\"btn\"\nhref=\"https:\/\/twinriver.mymortgage-online.com\"\ntarget=\"_blank\">\nAPPLY ONLINE NOW\n<\/a>\n\n<\/div>\n<\/section>\n\n<section class=\"section\">\n<div class=\"wrap\">\n\n<h2>Construction Loan Process<\/h2>\n\n<div class=\"grid\">\n\n<div class=\"card full\">\n<p>\nEvery new home project is different, so talking to one of our loan officers is the perfect way to evaluate your options and learn more. Typical home construction loan term is 6 to 12 months with interest paid monthly on the principal balance owed. Construction draw requests are presented monthly. An inspection will be done for each draw request and a disbursement made when expenses are deemed appropriate. Lien waivers must be provided before completion of the loan and final draws.\n<\/p>\n\n<p>\nTwin River Bank works with many approved, licensed contractors and would be happy to help you with the process. We review Idaho and Washington licensing for contractors to ensure that they are current.\n<\/p>\n<\/div>\n\n<div class=\"card\">\n<h3>Additional Documentation<\/h3>\n\n<p>\nIn addition to the documentation required for a home loan, the bank may require some additional information from you and your builder.\n<\/p>\n\n<ul>\n<li>One set of house plans.<\/li>\n<li>Copy of the earnest money or real estate contract for subject property<\/li>\n<li>Building Permit (need prior to construction starting)<\/li>\n<li>Hazard Insurance \/ Builder Policy including your agent\u2019s name and contact information.<\/li>\n<\/ul>\n\n<\/div>\n\n<div class=\"card full\">\n<p>\nPrior to completion your loan officer will begin to term out your construction loan.\n<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n<\/section>\n\n<section class=\"section\">\n\n<h2>TWIN RIVER BANK BRANCHES<\/h2>\n\n<div class=\"branches\">\n\n<div>1507 G St, Lewiston, ID \u2014 (208) 746-4848<\/div>\n<div>3330 10th St, Lewiston, ID \u2014 (208) 743-4848<\/div>\n<div>900 5th St, Clarkston, WA \u2014 (509) 758-4848<\/div>\n<div>201 2nd St, Asotin, WA \u2014 (509) 243-8848<\/div>\n\n<\/div>\n\n<\/section>\n\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"mce_0\">Buy, Build or Remodel<\/h4>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"mce_3\">Consider building a brand new home!<\/h5>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"mce_2\">Or Remodel Your Existing Home!<\/h5>\n","protected":false},"excerpt":{"rendered":"<p>Home Loans Construction Buy, Build or Remodel Consider building a brand new home! Or Remodel Your Existing Home! There are many reasons [&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-2975","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2975","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=2975"}],"version-history":[{"count":3,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2975\/revisions"}],"predecessor-version":[{"id":3812,"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=\/wp\/v2\/pages\/2975\/revisions\/3812"}],"wp:attachment":[{"href":"https:\/\/www.twinriver.bank\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}