System Unavailability Notice: SMS text verification codes may be unavailable through some carriers for Digital Banking. As an alternative, you may use the phone verification option.  We are working to resolve the issue and apologize for any inconvenience.
System Maintenance Notice: Due to system maintenance, Digital Banking may be intermittently unavailable beginning Saturday, August 17, 2019 at 10:00pm - 4:30am ET on Sunday.
Scheduled Maintenance : Due to system maintnenace, Digital Banking may be intermittently unavailable beginning Sunday, July 28, 2019  at 12:30am - 4:30am EST.
HOLIDAY CLOSING: In observance of Memorial Day, we will be closed Monday, May 27, 2019. Online banking and the Tru2Go Mobile App are available 24 hours a day to manage your account, complete transactions, apply for a loan or become a member.
Real Estate Loans

Land & Construction Loans

  • Bring your dream home to reality with a fixed-rate loan that provides peace of mind 
  • Various loan amounts available to provide the flexible funding you need for your project
  • Get the support you want from our loan officers who help you make the right choice
or call: 800.822.0382
  • Product Details
  • Fees and Terms
  • Reviews
  • If it’s your dream to build your home from the ground up, Truliant can provide the funding and guidance you need when looking for land and construction loans. With fixed rates offered at various terms, we can help you find the loan that fits your needs.

    Single Closing Construction Loans

    Truliant is your one-stop source for combining your construction loan and permanent mortgage financing. Your Single Closing Construction Loan will remain with Truliant from origination through processing, closing, disbursement, and construction. We’ll service your loan, in-house, from beginning to end. Plus, your existing land equity may satisfy your minimum down payment requirement!

    • Loan amounts up to $484,350
    • Available for North Carolina and South Carolina properties1
    • Decisions made locally
    • Competitive rates - speak with a Truliant representative for details
    • Low closing costs to the borrower
    • Appraisal fee applies
    • Two-time close option also available
    • To apply for a Construction Loan with Truliant, visit your local Member Financial Center or contact us at 800.822.0382 to get started.
    Get access to the capital you need to make your dream home happen, and pay the closing costs only once. Visit us or call to apply. 

    Land Loans

    • Available to members in OH, VA, NC, SC, TN, GA and FL
    • A variety of rates and repayment terms are available to meet your individual needs
    • 1% origination fee applies and cannot be financed into loan
    • Loan amounts ranging from $5,000 to $200,000 to fit the size of your project
    • Finance up to 80% of your land’s purchase price or value, whichever is less, in a subdivision and up to 70% for raw land.
    • If you currently hold a variable-rate Truliant land loan, refinance to a fixed rate to improve your financial standing. Refinancing is available only for existing Truliant land loans
    • To apply for a Land Loan with Truliant, visit your local Member Financial Center or contact us at 800-822-0382 to get started. 

    Ready to Apply?

    When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Visit us at a Member Financial Center in North Carolina, South Carolina and Virginia or contact us at 800.822.0382 to apply so you can get started on your rewarding project. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives. 

     Rates and terms are subject to change. All loans are subject to credit approval. (1) Construction loans available only in limited areas of NC and SC. Contact us for complete details. 

    • Loan requires full title search and full appraisal
    • Loans are for lot purchase only and subject to a 10-acre maximum
    • Property must perc


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