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Home Loans

TwinStar Credit Union provides home loans with minimal fees and competitive rates with proven quality member service. We’re committed to helping members find a great loan at a great value. We will help make your dreams come true!

TwinStar Credit Union is ready to help you realize the dream of home ownership. We’ll help you understand the ins and outs of your first mortgage loan. It can be tricky, but we’ll present the options and terms to craft a mortgage loan that fits your lifestyle.

Conventional loans – high or low down payment options. Your loan can have flexible loan terms and fixed or adjustable rates, whichever is best for your home plans and objectives. Rates are very competitive and the fees will not leave you in shock.

Twin 100 - TwinStar’s groundbreaking new mortgage program. The first of its kind, this program allows you to finance 100% of your mortgage. This is the best way to enter the home buying market with minimal costs since there are no down payments required. And unlike other programs, Twin 100 does not require you to purchase a home in a specific area or have any specific home ownership education certifications. This program is perfect for both the experienced or new home buyer. Learn more at

Twin 97 - TwinStar offers a 3% down payment program that beats the competition. If you’re considering purchasing a home — especially if you’re a first-time homebuyer — you might be feeling a little overwhelmed with the up-front costs. Which is why TwinStar has created a special home loan program to ease the burden, with lower down payments and fewer restrictions on new borrowers. For full program details, see

RHS loans – Rural Housing Service (RHS) offers affordable loans to qualified families and individuals who live in or want to move to rural communities. You can finance the sales price and closing costs up to the appraised value of the home. Gift funds permitted from family and friends and the seller can pay some of the closing costs.

Construction loansTwinStar provides the option for a fixed rate, all in one custom construction loan or a short term construction loan for 9 or 12 months. A licensed contractor is required. Credit score minimum of 660 and the property must be owner occupied, investment or double wide or larger manufactured home. Monthly draws are available. Limited jumbo sizes are permitted. Contact a mortgage loan officer to get the ball rolling.

Land Loans – Not quite ready to build? Secure the land and build within 3 to 5 years. We can finance the land for you giving you time to work on equity, find a builder, and make future plans. Land purchases require a 25% down payment and have a 3 or 5 year term.

We also offer options for VA, FHA, and USDA loan programs. Read more or contact us today to learn about all of your options.

TwinStar Credit Union provides home loans with minimal fees and competitive rates with proven quality member service. We understand the local housing market, available financing options and we look out for you when it comes to your home and financial well-being. We’re committed to helping members find a great loan, at a great value. We will help make your dreams come true!

You can apply online, call us, or simply stop by any of our convenient locations.

Ready to buy a home?

Check out our rates, get preapproved

Own your own home TODAY!

Here’s what you’ll need to get started.

Introducing the Home Advantage program

  • Pay stubs-most recent to cover the last 30 days
  • W-2 forms-most recent two years
  • Tax returns (self-employed or paid commission – two years federal tax returns (personal/corporate/partnership)
  • Bank statements-most recent two months
  • Retirement account statements – most recent quarter
  • Current debts-account #, balance, monthly payment

If you found a home:

  • Property tax information
  • Homeowners insurance-company, agent name, phone #
  • Purchase and sales agreement
  • Landlord’s name and address for the past two years

Construction loans:

  • Two sets of plans
  • Description of materials
  • Construction contract between you and your builder