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Mortgages for high-net-worth individuals

A mortgage from Truist is designed to fit your unique needs—whether you’re buying a new home, refinancing an existing mortgage, or tapping into your home equity.

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Why consider a mortgage with us?

As a client of Truist Wealth, your advisor and mortgage loan originator work together to provide you with a seamless white-glove experience—alongside a team of experienced underwriters dedicated to simplifying the process. If you’re not a Truist Wealth client, our advisors can help explain the benefits of becoming one.

Benefits

  • Up to 89.99% loan-to-value financing (maximum varies based on loan size)
  •  No maximum loan amount for Truist Wealth clients  
  • Expanded underwriting including debt-to-income ratio
  • No monthly mortgage insurance
  • Wide variety of uses—primary residences, second homes, condosDisclosure 1, co-ops (in certain markets)Disclosure 2, and investment properties

Factors to consider

  • The appraised value of the residence
  • The down payment you can contribute to the transaction
  • Desired financing terms and potential impact on your monthly payments

FAQs on mortgages for Truist Wealth clients

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The maximum mortgage loan you can borrow depends on a variety of factors including your overall financial picture, real estate exposure, and mortgage needs. Talk to your advisor to learn more and explore what’s available to you.

Yes. Truist allows Wealth Clients to borrow even if the client has additional mortgage loans that carry a balance.

Truist offers an expanded mortgage option to its Wealth clients and approved prospects who have a minimum of $1 million in eligible assets or investments under Truist Wealth Management. Certain members of specialty groups within Truist Wealth may also be eligible—please consult your advisor for details.

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Disclosure 1 Eligible condo projects are those confirmed by Truist Mortgage to meet applicable Fannie Mae, Freddie Mac and Truist Mortgage condo requirements for the loan program.

Disclosure 2 Primary or second cooperatives are eligible if located in one of the five boroughs of the City of New York and New York state counties of Nassau, Rockland, Suffolk, and Westchester.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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 McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV 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. 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: www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/

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