Happy couple enjoying their new home.

Twin 97 Home Loans

Twin 97 home loans are perfect for first-time homebuyers who have as little as 3 percent down payment.

Our home loan experts are available to help with you every step of the way.


TwinStar offers a 3% down mortgage 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. TwinStar has created a special home loan program to ease the burden, with lower down payments and fewer restrictions on new borrowers.

The Twin 97 mortgage loan covers 97% of your home loan, reducing your down payment requirement to just 3%. Additionally, Twin 97 has no income restrictions and allows you to use gifted funds from relatives for the down payment.

Key benefits of the Twin 97 program

  • Affordable 3% down payment, with a budget-friendly fixed rate
  • 100% gift funds are permitted for down payment and reserve requirement
  • Reduced mortgage insurance premiums available
  • No income restrictions
  • Homebuyer education class not required
  • While this program allows for primary residences only, the borrower may have owned other residential properties

Ready to buy a home?

Apply online or call us 24/7 at 800.258.3115. Our home loan experts are available to help with your questions.


Let's get started on moving you into a new place of your own.

We have a financing plan that is just right for you.

All loans subject to credit approval. Minimum FICO is 680. Standard closing costs and fees still apply. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender.