TWIN 97 home loan is custom made for first-time homebuyers

Young couple enjoying their new home

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.

The TWIN 97 home loan covers 97% of the 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.

When you compare the TWIN 97 home loan features with those of other financial institutions, you’ll quickly see it’s a great time to purchase a home, without the stress of higher up-front costs.

Apply online at or call us anytime, day, night, and weekends at 800.258.3115. Home loan experts are available to help with your questions while we process your loan.

3% Down Mortgage Program Comparison
Other Financial Institutions TWIN 97
  • Borrower’s annual income may not exceed 100% of their county’s median income
  • Borrower may not have had individual or joint ownership interest in any other residential properties
  • Homebuyer education class is required
  • More affordable 3% down payment, with budget-friendly 30-year fixed rate
  • 100% gift funds are permitted for down payment and reserve requirement
  • No income restrictions
  • While this program allows for primary residences only, the borrower may have owned other residential properties

Ready to buy a home?

Check out our rates, get preapproved

Based on a purchase price of $150,000, a conventional 3% down payment, 30 year fixed rate loan (360 months) at 4.125% Annual Percentage Rate (APR) 4.679% on a single family, primary, owner occupied residence. Monthly payment $964.01 (includes principal, interest, homeowners insurance, property taxes and mortgage insurance (MI). MI amount of $73.96. Minimum FICO is 680. The interest rate and APR are subject to change without notice. This is not a Good Faith Estimate but an example for illustrative purposes only. It is not a quote of rates nor a guarantee of products.