Your home journey
starts here
With low fees, competitive rates & loans to choose from, our home loan experts can help you sell, find, and finance the home that is right for your family.
For a limited time, save 0.375%† on qualifying mortgage loan interest rates! Contact our home loan experts at 800.258.3115 ext. 7920 or apply today to get started.
Additionally, the first 75 members who apply for a mortgage loan between May 1 - July 31, 2025 and close within 60 days will receive a $200 Lowe's gift card! (while supplies last)*
†Mortgage interest rate reduction is available for fixed and adjustable rate mortgages and applies to purchase and refinance transactions. For adjustable rate mortgages, the discount is applicable only for the initial rate period and the rate and payment may increase after the initial rate period. Available on primary residence and second homes only; 1 and 2 units only. Discount is not available on government loans, land loans, investor loans, or loans originated under the Habitat for Humanity projects. All loans are subject to approval. NMLS #530610
*Offer applies to any qualifying mortgage loans for the purpose of purchasing or refinancing a one-to-four family owner occupied property. No minimum loan amount. Apply May 1 – July 31, 2025 and close within 60 days to receive offer. Offer ends after July 31, 2025, or after 75 Lowe’s gift cards have been awarded; whichever occurs first. Property must be located in WA or OR. Limit one gift card per loan. Gift card will be delivered within 60 days of closing. Gift card is non-transferable and no cash or other substitutions permitted. Offer subject to change or cancellation without notice. The gift cards are subject to required IRS reporting. Recipient is responsible for any applicable taxes. Not valid on home equity loans, lines or credit, or land loans.
Home ownership made possible with our First-Time Home Buyer Program
Twin 100 mortgage loan - own a home with zero down payment
Finance 100% of your mortgage with no down payment - a great way for first-time home buyers to enter the market! Unlike other 0% down loans, you aren't required to attend home buyer education classes.
Twin 97 mortgage loan - own a home with a low 3% down payment
Borrow with just a low 3% down payment with no restrictions on gifted down payment funds! TwinStar created a special home loan program to help ease the burden, with lower down payments and fewer restrictions on new borrowers.
Conventional mortgage loans with low fees & competitive rates
Conventional loans are often the best option for borrowers with strong credit and a down payment of at least 3% or more. A variety of fixed-rate loans are available with flexible terms, low fees & competitive rates. Enjoy the security of predictable mortgage payments with low rates.
Government-backed mortgage loans programs available - VA, FHA, and USDA.
Save big on your next home with TwinStar HomeAdvantage
From start to finish, we can help you sell, search, and finance a new home. TwinStar's HomeAdvantage program can help you to sell your current home, help you to find and finance your next home, and earn cash rewards, too!
Make it possible with TwinStar's ITIN mortgage program
Everyone deserves an opportunity to own a home. If you have an individual taxpayer identification number (ITIN) rather than a social security number (SSN), our ITIN mortgage program can provide you with the resources you need to buy a home.
Second Home Loans
If you are in the market for a second home, TwinStar offers second home loans. Get preapproved to give you an advantage in the search for your vacation getaway.
Jumbo Home Loans
When looking at higher-priced homes, you may need a different type of home loan. TwinStar offers a jumbo home loan when you find a home that requires a larger amount than normal loan limits.
Refinance your mortgage and save.
Refinancing your home at a lower rate can help you reduce your monthly payment, lock in a fixed rate, or pay your home off sooner.
Land Loans
Not quite ready to build? 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 flexible terms.
More resources on home ownership
