Mortgage Loans

Buying a home is one of the most important decisions you'll make in your life. You wouldn't leave that decision up to a stranger—why would you trust your home loan with one? Come to Two Rivers Bank & Trust to get the best deal on financing. Our loan professionals are ready, willing, and eager to help you through the home financing process.

Meet our Mortgage Loan Originators

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  • Competitive rates
  • Flexible financing terms
  • Fixed and adjustable rate options
  • VA, FHA, and USDA - Rural Development loans available
  • Local decisions, processing, and underwriting
  • Affordable payments
  • Easy to apply
  • Personal service

Refinance with us!

If you already have a mortgage with another institution, you might be able to refinance for a better rate and significantly reduce your payments.

See our Mortgage Loan Originators

Mortgage Calculator

Fixed vs. Adjustable Rates

Fixed rate mortgages charge one set rate of interest throughout the entire life of the loan, so you never have to worry about rates going up later on. This is the more common type of mortgage loan.

An adjustable rate mortgages (ARM) offers a low rate initially for a certain amount of time. The rate is adjusted at the end of that initial period. This situation might be preferable if you want lower payments now but are planning on being able to make larger payments later, or if you are planning on selling the property before the adjustment period starts.