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Helping you find the right loan,the right way.
Local Roots.Lasting Relationships.Your local mortgage experts in the Inland Northwest.
Three Creeks Lending, LLC is a licensed mortgage broker, not a lender and does not make loan commitments or fund mortgage loans. All loan applications are submitted to one or more third-party lenders for approval. Loan approval, terms, and conditions are determined solely by the lender.
Meet your Team! Jake and Jana Troyer
Married for over 15 years, and with over 30 years of industry experience between us, we are dedicated to making the mortgage process feel simple, honest, and stress‑free. That means listening to what you need, explaining your options in plain language, and helping you choose what truly fits your goals. No pressure, no confusion — just straightforward guidance from people who genuinely want to see you succeed. Buying or refinancing a home is a big moment, and you deserve someone in your corner who truly cares. Our promise is to guide you with honesty, clarity, and compassion — to help you feel confident, supported, and understood every step of the way. Your dreams, your stability, and your future matter to us, and that’s what shapes every piece of guidance we give.
Our company is built on integrity, transparency, and a commitment to responsible lending guidance. We take the time to understand your goals, present clear and accurate information, and support you in evaluating options that align with your long‑term financial well‑being. Every recommendation is grounded in professionalism, care, and a dedication to serving your best interests.
Three Creeks Lending, LLC NMLS# 2818442Licensed in WAJacob Troyer - Designated Broker NMLS 1232913 Jana Troyer - Loan Originator NMLS 1376236
Let us find your perfect match!
Explore the different loan programs we offer
Conventional Loan
Also known as a “conforming” loan, a conventional mortgage loan is any type of home loan that is guaranteed by a private lender or a government-sponsored enterprise like Fannie Mae. These loans are best for borrowers with good credit and an adequate down payment, which could be as little as 3% of the purchase price. Conventional loans can be either fixed rate or adjustable rate.
Government Guaranteed Loans
Both the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) offer guaranteed loans to help borrowers with income limitations or those who are current or former military. While they do require borrowers to meet specific terms, these loans usually have lower down payment requirements and less-restrictive qualifying guidelines. Consider checking with the FHA or VA, as well as your lender, for complete details if you think you may qualify for this type of loan. Government-guaranteed loans can be either fixed rate or adjustable rate.
Jumbo Loans
These loans surpass the current conforming loan limits. These are loans tailored to those looking to finance higher loan amounts.
HELOAN
Adjustable-Rate Loan
An adjustable-rate mortgage (ARM) is a home loan with an interest rate that is flexible and subject to adjustment on specific dates or based on certain market conditions. An ARM can be beneficial for homebuyers looking to keep the loan for a limited period and/or who can afford the potential increase in interest rate over time.
Fixed-Rate Loans
Sometimes called "FRMs," fixed-rate mortgages are home loans with an interest rate that remains constant throughout the entire length of the loan term. With FRMs, a borrower can plan for an exact base principal plus an interest payment amount for the next 10, 15, 20, or 30 years.They’re a popular alternative to adjustable-rate mortgages, which have interest rates that rise or fall throughout the loan term, causing your payment amount to fluctuate.
Interest-Only Loans
With these loans, borrowers only have to pay interest for the first several years, making the monthly payments lower than they would be with a fixed-rate mortgage. At the end of the interest-only period, borrowers will start to repay both principal and interest. This can be in the form of subsequent monthly payments or in a lump sum, also known as a “balloon payment.” In addition, most interest-only loans are structured as ARMs, meaning the rate and the monthly payment can increase or decrease throughout the life of the loan.
Ready To Connect? Contact Us Today
Phone
(509) 255-3726 Jake(509) 995-3219 Jana
What our clients say about us:
"Jana was incredible to work with. She was knowledgeable, fast to respond, and always willing to answer my questions, even when I needed to ask the same one twice because I was feeling overwhelmed by the amount of information coming at me.
As a broker, she found a very competitive rate and kept the process moving smoothly. She was quick to send anything needed from my end, made sure I understood each step, and handled communication with the underwriter, which to my understanding is often the one of the more complicated parts, with ease.
When the transaction was wrapping up, I felt confident that the mortgage I was taking made sense for my budget and income. I also had a clear picture of what my payments would look like in the long run. Early in the home shopping process, I was not sure what price range I was comfortable with. When I asked Jana to increase my pre-approval amount and provide a breakdown of loan payments in $25,000 increments so I could gauge my comfort level with higher amounts, she quickly put together several examples for me to review.
Throughout the entire process, Jana was kind, professional, and a true pleasure to work with. I would absolutely work with her again and would recommend her and the brokerage to anyone without hesitation." - Don H. / Spokane, WA