It's simple to get the money you need.  Mortgages Whether you’re looking to buy your first house, your next house or maybe an investment property, choosing the right mortgage can make all the difference. We’ll make the process simple by helping you choose the right mortgage while working with you through the entire process. Listed below are just some of the over twenty loans we offer. One is sure to be perfect for you. Give us a call today, and let’s get you that new home. Conventional 30, 25, 20, 15 and 10-Year Fixed-Rate Programs Jumbo & Super Jumbo Programs Stated Income Programs Interest-Only Fixed and Adjustable Rate Programs 10, 7, 5, 3 and 1-Year ARM Programs FHA First Time Homebuyer Programs For current rates, annual percentage rates or more information just call 1.888.454.4424 or email mortgages@tworiverbank.com Consumer Loan Application  Home Equity Line of Credit Application Home Equity Fixed Rate Application    Home Equity Lines of Credit A home equity line of credit (HELOC) is similar to a home equity loan, except that money can be taken out as needed rather than as a lump sum. Once you are approved for an amount, you can borrow and repay repeatedly without additional paperwork. Another benefit of a home equity line of credit is that you only pay interest on the money you have actually borrowed. HELOC interest may also be tax deductible.* A Personal Line of Credit based on the equity in your home, up to $500,000 or 70% of appraised value, less any outstanding lien, whichever is less** Write yourself a check anytime you want for any purpose Low variable rate. You can get current rates by calling 1.877.706.9009 NO application fee or points on loan amounts up to $350,000. *Always consult your tax advisor. **Subject to current loan policy Home Equity Loans Home Equity loans are fixed-rate first or second mortgages that allow a homeowner to borrow against and use the equity in their home or other qualifying real property.  A great benefit of home equity loans is that your interest payments may be tax deductible. * An equity loan can be repaid over time with a fixed interest rate. Predictable monthly payments that stay the same no matter how the economy or interest rates may change Borrow a fixed amount based on the equity in your home Fixed rate and flexible terms, up to 20 years.  You can get current rates by calling 1.877.706.9009 Perfect Balance Line of Credit Looking for your own personal line of credit? Want to protect yourself if you run short of money? Our personal line of credit, managed through your Two River Community Bank checking account, offers you convenience, flexibility and security, giving you immediate access to a credit line of up to $5,000. Tied to checking account for easy access Credit limits from $500 to $5,000 Transfers made in increments of $100 Avoid overdraft fees Auto Loans Have you found the car, truck or van you want to buy? Would you like to refinance your existing vehicle loan? Maybe you would like to borrow money and use your current vehicle as collateral. Whatever the reason, we’re here to help. Competitive fixed rates Flexible terms, up to 60 months Fast decisions, made locally Financing for models up to 5 years old Personal Loans Up to $2,500 Flexible terms, up to 36 months Unsecured