Payments made simple. You’ve got multiple options.

To learn about common mortgage servicing fees, view our Manage Your Mortgage Fee Schedule (PDF). New York state residents, access this version (PDF).

Online banking makes paying your mortgage easy.
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Recurring payments are simple, convenient, and reduce the risk of late fees.

  • Payments are requested from your checking or savings account and applied to your mortgage on a day you choose—any day between the 1st and 16th of the month for payments due on the 1st.
  • If you decide to pay extra, you can tell us exactly how to apply additional funds.

How to get started:

  1. Decide your payment date and amount of additional funds, if any.
  2. Visit us online at Truist.com/myhomepayment
  3. Select your mortgage.
  4. Click “Make payment” and then “Select frequency.”
  5. Select your amount and set up your recurring payments.

You can update your preferences any time—it’s all in your control.


Or download the Recurring Payments Draft Authorization Form (PDF)

Quick, easy, and hassle-free. We’ve got you covered.

  1. Visit us online at Truist.com/myhomepayment
  2. Select your mortgage.
  3. Click “Make payment” and then “Select frequency.”
  4. Select your amount and set up your one-time payment.

If you use a bill pay service, we recommend setting up recurring payments through Truist. Here’s why:

  • While your financial institution’s bill pay service withdraws funds from your account on a specific date, we can’t track or apply your payment until we receive it, which may cause delays or late fees.
  • If you make extra payments, we may not know how to allocate those funds.

On the Bi-Weekly® Mortgage Payment Plan, you can make 26 half-payments instead of 12 full payments, which can help you reduce your principal—and the life of your loan.

During your first month of enrollment, you must pay both your regular monthly payment plus your two half payments. Afterward, you’ll start paying half of your total monthly mortgage payment every two weeks by recurring debits.

Pay off your mortgage

Whether you’re down to your last few payments, purchasing a new home, or refinancing, we want this to be a breeze.

Prefer to make a mortgage payment offline? You can do that, too.

Visit a branch

Make a payment in person at one of our locations.

Pay by phone

Give us a call at 800-634-7928.

Pay by mail

Use the coupon attached to your periodic billing statement to send your payment to:

Truist Bank
P.O. Box 79041
Baltimore, MD 21279-0041

What goes into a monthly payment? Can they change over time?

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Except for ARM loans, and some rare situations where a loan is modified, the total of principal and interest in each payment typically stays the same from the beginning to the end of a mortgage loan. The amount of each payment that is interest versus principal will usually change from month to month.

Tax and Insurance amounts can change every year, and private mortgage insurance may fall off many types of loans after a number of years. These changes result in fluctuations in payments for a vast majority of all mortgages. This is something to keep in mind to keep up with those changes, and to avoid falling behind on payments. 

Your billing statement will also show any late charges or other fees charged to your loan. Late charges are typically charged if your payment is not received within the grace period. Your payment coupon on the billing statement allows you to write in the amount you want to pay towards these charges when you send in your payment. You can also pay those charges and fees by managing your account online, over the phone, or at a branch.

Many of our clients like paying a little extra towards their loan each month to shave months or years off their mortgage. A little can go a long way, just be sure to give us clear instructions online, over the phone, or by using the coupon on your billing statements. 

We do our best to follow your instructions, but we ask that you take a moment to ensure your payment was applied correctly. Just call us, or send us a secure message through your online account, if you notice an error. For faster repayment, you may want to consider the Bi-Weekly® Mortgage Payment Plan.

Considering a home purchase or refinance? We’ll take great care of you.

Buy a home

Find the right mortgage with the right tools—and a team you can trust. Our calculators show you how much you can comfortably afford. And you can track your application progress in real time with our app. Loan officers are just a call or click away with answers to all your mortgage questions.

Refinance your home

Today could be the day to lower your payment or consolidate debt. Start by checking our daily refinance rates to see how much you could save on your monthly mortgage payment.

We’re here when you need us.

Contact us by phone.

Call us at 800-634-7928
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We accept calls made using Telecommunications Relay Service (TRS). Dial 7-1-1 to initiate a call.
 

Hours
Monday - Friday: 8 am - 8 pm ET
Saturday: 9 am - 3 pm ET

 

Visit a branch near you.