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.