Also known as: Truist Mortgage
Truist Bank offers residential mortgage products through its home lending division. Truist was formed in 2019 through the merger of BB&T and SunTrust Bank, and it maintains a significant branch presence primarily in the southeastern and mid-Atlantic United States.
Truist commonly offers conventional purchase and refinance loans, FHA loans, VA loans for eligible military borrowers, USDA loans for qualifying rural areas, and jumbo loans. Its regional concentration means branch-based service is generally more accessible in its core southeastern and mid-Atlantic markets.
For existing Truist banking customers, rate discounts or relationship pricing may be available based on account balances or automatic payment setup. Whether this translates to a competitive mortgage offer requires comparison with other lenders using official Loan Estimate documents.
Before choosing Truist or any mortgage lender, gather quotes from at least two or three sources. Key factors to compare are the interest rate, annual percentage rate which reflects total loan costs including fees, closing costs, origination charges, and the expected processing timeline.
For VA loan borrowers, Truist offers VA home loans. These are available only to eligible veterans, active-duty service members, and qualifying surviving spouses, and typically include no down payment and no private mortgage insurance requirements.
Truist also offers home equity lines of credit for existing homeowners. A HELOC is a revolving line of credit secured against your home's equity. It typically carries a variable interest rate, has a draw period during which you can borrow and repay, and then transitions to a repayment period. Your home is the collateral, so inability to repay puts your ownership at risk.
Quick info
Mortgage
Truist Mortgage
Truist Financial Corporation
FDIC-insured. Division of Truist Bank.
2026-06-06
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Purchase mortgages; refinancing; FHA; VA; USDA; jumbo loans; home equity
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Date checked
2026-06-06
How do I contact Truist Mortgage about a hardship?
Contact Truist Mortgage directly using the details on this page. Ask specifically about forbearance, repayment plans or loan modification options. Keep records of all communications. A HUD-approved housing counsellor can also help at no cost — find one at hud.gov/findacounselor.
What happens if Truist Mortgage transfers my mortgage?
Mortgage servicers can transfer the servicing of your loan to another company. You must receive written notice before and after any transfer. Payments made to the old servicer within 60 days of a transfer cannot result in late fees. Verify any transfer notice through NMLS Consumer Access.
How do I dispute an error with Truist Mortgage?
Send a written dispute to Truist Mortgage detailing the error. Keep a copy. If the error is not resolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint.
How do I find a HUD-approved housing counsellor?
HUD-approved housing counsellors are free or low-cost and can help with mortgage trouble, foreclosure prevention and loss mitigation options. Find one at hud.gov/findacounselor or call 1-800-569-4287.
Can Truist Mortgage foreclose on my home?
If mortgage payments are not made, a servicer or lender may initiate foreclosure proceedings. State laws govern the foreclosure process and timelines vary significantly. Contact a HUD-approved counsellor or Legal Aid organisation as soon as possible if you are struggling with payments.
HUD-approved housing counsellors can help at no cost. Use Ask Fin's free tools to get clearer about your full financial picture.
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