Strengthening our community one homeowner at a time!

Feeling overwhelmed by the mortgage process? Let our experienced mortgage loan
originators make you feel at home.  We are committed to helping you find the right
mortgage to fit your needs and guide you with ease through the process.

 

Your Hometown Mortgage Lender

Twin Valley Bank NMLS # 441291

Whether you are purchasing, refinancing, or building your dream home, there are many important things to consider throughout the process. Our mortgage loan originators are ready to assist you in finding the right product to fit your financial plans.

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Fixed Rate Mortgage

A fixed-rate mortgage is a home loan that comes with a consistent interest rate for the entire duration of the loan. This means that the interest rate remains unchanged throughout the life of the mortgage, and as a result, the borrower’s monthly payments for both interest and principal remain constant over time.

Adjustable-Rate Mortgage

An adjustable rate mortgage (ARM) is a home loan with an interest rate that adjusts on a predetermined basis. After an initial fixed-rate period, the interest rate becomes variable, based on an index rate and a predetermined margin. The variable interest rate can fluctuate for the remaining term, depending on market conditions, which may impact your monthly payment amount.

 

Refinance

Refinancing can be a strategic move to better manage your finances and achieve your long-term financial objectives.  We offer competitive refinancing options that are specifically tailored to meet your unique needs.  Whether you’re looking to lower your monthly payments, consolidate debt, or adjust your loan terms, we’re here to support you every step of the way.

Frequently Asked Questions

Your Twin Valley Bank mortgage loan originators make the application process simple, straightforward and fast. Contact us today! To get started, Click Here

 We understand that a mortgage transaction is one of your most important financial decisions and will work closely with you to make the process as quick and simple as possible. Timeframes can vary depending on a variety of situations, no two home loans are alike. For information related to your individual mortgage needs please contact us today. 

To expedite the mortgage approval process, have these items available if applicable:

  • W-2 forms for the last 2 years
  • Federal tax returns for the last 2 years
  • 1099’s or K-1’s depending on your type of income
  • Business profit and loss statement year-to-date for current year
  • Paystubs for the last 30 days
  • Award letter for Social Security, Disability or VA benefits
  • Most recent asset statements (checking, savings, money market, etc.) covering at least 2 months
  • Current driver’s license, state ID or passport

 

Homeowners refinance their mortgage for a variety of reasons. Many want to lower their interest rates, shorten the term of their loan, consolidate high-interest debt, eliminate mortgage insurance or switch from an adjustable-rate loan (ARM) to a fixed rate loan. Whatever the reason, Twin Valley Bank is here to help.

 

We offer mortgage products to suit a variety of needs for prospective or existing homeowners. We realize that determining which product is best for you can be daunting. For that reason, our mortgage loan originators make themselves available to answer all your questions before, during, and after the process to help eliminate the guesswork.

 

Twin Valley Bank offers many products and services to help you
reach your goals of buying your dream home.
Our mortgage loan originators provide lending solutions for a variety of situations
Contact us