Get preapproved for a Truist mortgage.

Explore down payments as low as 3% down.Disclosure 1, Disclosure 2

Get preapproved for a Mortgage. , opens in new tab Apply now for a mortgage.

Truist loan officers are pros that care. Call us at 844-710-3909.

Where should we start?

Show me how much I can afford.

Want to know how much house is in your budget?Disclosure 1, Disclosure 2 Our calculatorDisclosure 3 can show you based on your monthly expenses and income.

I want to get preapproved for a mortgage.

A smart move. Getting a mortgage preapprovalDisclosure 4 helps you know where you stand. Even better, it shows real estate agents and sellers that you’re ready to do business.

I'm ready to apply.

Found the right home? Great! It’s time to make it yours. Apply entirely online, then follow your status in real time with our progress tracker. New to this? Watch a short video to know what to expect.

Interest rate discount for Truist customersDisclosure 5
 

You may qualify for an interest rate discount based on your total deposit and investment balances. The more you have in balances with Truist, the greater the potential discount you can receive.

Option 1

Homebuyer's guide

For first-time (or next time) homebuyers.

Let's untangle this together. Our Guide is packed with information to prepare you for your homebuying journey. It's a handy reference to learn what you'll need and what to expect.

View guide to get started on your homebuying journey.

Option 2

Payment assistance

Do you qualify for home down payment grants or assistance?

There are lots of ways to qualify for assistance to make your down payment. Maybe you’re a first-time homebuyer, active duty military, a veteran, or a teacher. There's even support depending on your state of residence.

See some of your options to make buying a home more affordable, then talk to a professional in your neighborhood to see if you qualify.

Know your options for home assistance.
Talk to a professional to see if you qualify for home down payment grants or assistance.
Check rates to see a mortgage rate that is right for you.

Calculate your mortgage payment.Disclosure 3

Buying or renting: Which is the best choice for you?

So you want to stop renting and become a homeowner. There’s one important question to ask yourself: Does it make financial sense right now? We’ll help you find the answer—fast.

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How do we make your mortgage experience easier? Here's how.

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Ready to Buy a Home? Here's How to Get Started

Truist Online Mortgage Application 

(Visual Description: Truist online mortgage application.  

The Truist logo appears in the bottom-right corner of the frame.) 

A few steps in life are monumental. Buying a home is one of them.  

But just because it's a big decision doesn't mean it has to be complicated or stressful.  

We think it's time for a smarter mortgage experience.  

One that's supportive and straightforward.  

Our online mortgage application is the first step of a quick and straightforward home buying process.  

How does it work?  

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An example of the Getting Started phase of the Truist mortgage application experience is shown.)

Our step-by-step experience guides you through your application.  

Every prompt is personalized to your situation. And technology links to your bank statements and tax forms to keep all of your documents organized in one safe place.  

If you have questions along the way, your loan officer is there for real-time assistance and answers.  

(Visual Description: Ready when you are.) 

Taking a quick lunch or break between meetings? Our process is efficient so you can finish your application quickly and confidently.  

And we know you want to keep tabs on where your application stands. So our app tracks your progress all the way to closing.  

Whether you're buying your first home, your next home, or refinancing the home you're in, focus on enjoying what that home means to you and leave the legwork to us. 

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Truist title and logo. 

Disclosure: Truist Mortgage.

Truist logo appears. Disclaimer reads, Truist Bank is an Equal Housing Lender. Copyright 2021 Truist Financial Corporation. Truist, Truist Purple, and the Truist logo are service marks of Truist Financial Corporation. 

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Frequently asked questions about buying a home

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Buying a home involves several key steps to determine if you’re ready. You’ll want to start with understanding your budget by assessing your financial situation. This involves understanding your credit score, income, and debt-to-income ratio. Getting pre-approved for a mortgage with Truist can help you understand how much home you might afford and strengthen your position when making an offer. 

The timeline for buying a home can vary, but the process generally takes a few months. This includes the time needed to search for a home, get your offer accepted, complete the mortgage process, and close the deal. Having your finances in order beforehand and being prepared for each step can help streamline the process.

Deciding when to buy a home is a personal decision that depends on your unique financial situation and readiness. You’ll want to consider factors like your credit score, debt-to-income ratio, and potential savings for a down payment and closing costs. If you feel confident in these areas and are prepared for the responsibilities of homeownership, it might be time to get started!

The amount you need to buy a home depends on several factors, including but not limited to the home price, down payment, and closing costs. While a 20% down payment was once the standard, there are other affordable home loan options that require much less. Be sure to explore potential financial assistance programs to make homeownership more accessible.

Yes, it’s possible to buy a home without a significant down payment! While saving for a down payment is ideal, several loan programs offer low or no down payment options.Disclosure 1,Disclosure 2 Be sure to weigh the pros and cons, considering factors such as mortgage insurance, homeowners association (HOA) fees, and overall loan costs, to determine the best down payment options for your circumstances. 

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Disclosure 1 Certain program and geographic restrictions may apply, ask your loan officer for details.

Disclosure 2 If the loan amount is more than 80% of the home’s purchase price, the calculator will also estimate a monthly amount for private mortgage insurance (PMI).

Disclosure 3 This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Disclosure 4 Preapproval is based on non-verified information and is not a commitment to lend by Truist Mortgage. Loan approval will be subject to, but not necessarily limited to, verification of all income, asset and liability information provided by you, satisfactory property appraisal, compliance with Truist Mortgage loan program guidelines and all required closing conditions such as survey and title examination.

Disclosure 5 For clients who meet specific asset balance tiers, Truist offers interest rate discounts on most mortgage loans (excluding CHIP, Bond and Assumption mortgages). The mortgage borrower must be a named account holder for the asset account to be included in balance tier calculation. Qualifying asset balances include: Truist personal checking, savings, money markets, CDs, IRAs and investment accounts held at Truist or any Truist affiliate. Certain account types are excluded from asset balance tier calculations, including commercial, business, tax-qualified annuities, ERISA, Keogh, bank collateral, foreign, fiduciary, custodial, and trust accounts in which the borrower is only listed as a beneficiary. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Mortgage Loan Officer for questions about determining which discount tier would apply. The Truist asset account(s) used to determine rate discount eligibility must be opened and funded with the required asset amounts 7 days prior to loan closing. If the eligible balance is not available for verification seven (7) business days prior to closing, the loan must be repriced, at which point the borrower may choose to close the loan without the rate discount, or to extend the closing date for an extension fee. Please note that for purposes of determining which discount tier applies, combined asset balances must be exclusive of down payment and loan closing costs, unless evidence of sufficient funds at another institution is provided. This rate discount may not be combined with certain other discounts. The current discount tiers are shown below. As an example, if a borrower who would otherwise obtain a mortgage loan interest rate of 7.00% APR had $250,000 in qualifying asset balances, their adjusted rate, after application of the 0.375%-point discount, would be 6.625% APR. Truist may change or discontinue this discount pricing at any time without notice.

Pricing discounts based on relationship:
Minimum Relationship Maximum Relationship Relationship Pricing Mortgage Rate Discount
$100,000 $249,999.99 −0.250
$250,000 $499,999.99 −0.375
$500,000 $1,999,999 −0.500
$2,000,000 $2,999,999.99 −0.625
>=$3,000,000 >=$3,000,000 −0.750

Disclosure 6 Mortgage Rates and APR examples are representative of products available through Truist Bank. In addition to discount points provided, the APR also includes an average of costs a borrower would pay for tax service, flood hazard determination, and closing-related services, as permitted by regulation and law. Other charges may include, as applicable to the loan program and permitted by regulations, those for appraisals, credit reports, title insurance, and other miscellaneous costs. We will be happy to provide specific information on your transaction upon request. The following Annual Percentage Rate (“APR”) examples are for a typical transaction and are only examples. Please call 877-907-1043, email us, or find a loan officer serving your community to learn more about a specific APR for your transaction. Monthly payments are shown as principal and interest only and do not include PMI, taxes, insurance, or other applicable escrows. Actual payment obligation will be greater. 

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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