How can a Truliant mortgage help your financial life?
No Down Payment Needed
Our HomePath100 and VA mortgages are available with 100% financing.
Accessible Government Funds
We offer federal loan programs (FHA and VA) as well as NC and SC state assistance loan programs.
Convenience of Remote Closing
Fully remote electronic closing is faster and more convenient than in-person closing.
Making Payments Easier
Online convenience — make mortgage payments through online or mobile banking.
Buying a House the Easy Way
Apply online or visit a branch to work directly with one of our mortgage loan officers. We'll partner with you every step of the way, from prequalification to our electronic easyClose1. That way, you can focus on the truly important work of making your new house a home.
Even better, our "Manage My Mortgage" portal, accessed within Online Banking and the Truliant app, makes it even easier. You can make payments, check on payoff statements, and view the details of your account 24/7.
Every home is unique, so why should every mortgage be treated the same way? At Truliant, we offer a variety of mortgage options. We'll partner with you to find a loan that truly works for your budget and your needs.
Mortgage Loan Options
Government Loan Programs
Government loan programs allows us to provide home loans that allow for lower minimum credit scores and down payments.
FHA Loans
Requires at least a 3.5% down payment
No cash reserves are required
Available only for primary residences
VA Loans
Active duty service members, Veterans, and eligible surviving spouses
100% financing available
Available only for primary residences
State Assistance Programs
North Carolina Housing Assistance
NC Home Advantage Mortgage: Offers down payment assistance up to 3% of the loan amount.
Available for first-time and move-up buyers.
Must occupy the home as your primary residence within 60 days of closing.
Income and sales price limits may apply.
NC 1st Home Advantage Down Payment: Offers up to $15,000 in down payment assistance.
Available for first-time home buyers and Military Veterans.
Must occupy the home as your primary residence within 60 days of closing.
Income and sales price limits may apply.
Additional program guidelines, regulations, and limits may apply. Please speak with your loan officer for further details.
South Carolina Housing Assistance
SC Housing’s Homebuyer Program: Offers a low, fixed-interest rate loan and down payment assistance.
This program assists low-to-moderate income families and individuals who would like to purchase a home in certain counties. Please speak with your loan officer for details around the targeted and non-targeted counties and other requirements.
Income and sales price limits may apply.
Palmetto Home Advantage: Offers Conventional, FHA, and VA loan options for first-time, move-up, and repeat buyers with no first-time home buyer requirements.
This program offers forgivable down payment assistance up to 4% of the loan amount with a $0 monthly payment.
Applicable to residents across all 46 counties in South Carolina.
Income and sales price limits may apply.
Additional program guidelines, regulations, and limits may apply. Please speak with your loan officer for further details.
Affordable Loan Programs
Get into your new home and start building equity.
Borrow up to 100% of the value of a home, up to $806,500
Options include 7/1 ARM and fixed rates
Available for primary residences3
First-Time Homebuyer Mortgage
Try HomePath100, Truliant’s first-time homebuyer3 mortgage, a 30-year fixed-rate term or a 7/1 ARM with a 30-year maturity that offers 100% financing at a great rate.
$60,000 minimum and $300,000 loan maximum
700+ credit score required
Must be purchasing a primary residence
Buyer must contribute a minimum 1% towards closing costs or prepaids (can be a gift)
Homebuyer education required
Adjustable-Rate Mortgages (ARMs)
Pay lower monthly fees for the first period of your loan.
7/1 ARMs2
Borrow up to 97% of the value of a home, up to $806,500
Fixed-Rate Mortgages
Budget confidently with a low, fixed rate.
10, 15, 20, 25 and 30-year mortgages are available
Borrow up to 100% of the value of a home, up to $806,500
Jumbo Mortgages
Jumbo mortgages are for loans starting at $806,501 up to $1,500,000 (with management approval). We offer up to 65% - 90% on the mortgage depending on the cost of the home.
Specialty Mortgages
Get the assistance you need with our non-traditional mortgage options.
Manufactured housing loans (available for double-wide homes on permanent foundations)
Borrow up to 95% of the value of the home, up to $806,500
Limited/no credit mortgages
Borrow up to 80% of the value of the home or purchase price, up to $300,000
Individual Tax Identification Number (ITIN) mortgages
Borrow up to 80% of the value of the home or purchase price, up to $300,000
Single-Closing Construction Loans
Combine your construction loan and permanent mortgage financing and pay closing costs only once.
Low closing costs
Existing land equity may satisfy your minimum down payment requirement
Must be undeveloped (no dwelling/house on property) - either raw land or in a recorded subdivision, up to 10 acres
Loans serviced in-house at Truliant
Available in NC, SC and VA only
Mortgage Calculators
Benefits of easyClose
Truliant is the first and one of the only North Carolina-based financial institutions to offer fully remote electronic closing on mortgages, or easyClose1. It's another way that Truliant works to make the home buying process easier for you.
An electronic closing that is significantly faster than typical in-person closing
More convenient
Sent on a secure network that uses encryption to protect all of your documents and information
What should you expect when applying for a mortgage?
Apply through one of our branches' Mortgage Loan Officers, or simply apply for pre-approval on your home loan through our quick, online mortgage digital application, available virtually anywhere.
Once you apply, your loan officer will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied for an online mortgage, you can expect the same personalized attention with one of our Digital Mortgage Loan Officers.
We will reach out to you to discuss your loan amount, terms and payment information.
Once you have found a home you love, your loan officer will continue to help walk you through closing on your new home so that if you ever need extra help, you can always reach us.
What are some tips for first-time homebuyers?
At Truliant, we strive to help each individual member or future member to navigate the tricky territory that is purchasing your first home. This is why we work to get to know you and your individual situation in order to recommend mortgage options that can work seamlessly into your life.
As we can help you with researching possible down payment and mortgage options you may qualify for, there are other things you can do early to set yourself up for smooth sailing later.
If you haven't already, start saving for your down payment early. Many people recommend a 20% down payment, however, there are options to put down as little as 3% on your new home.
Determine how much you can afford in your new home.
Calculate your loan payment using our mortgage loans calculator below to get an idea of the home price that would best work for you.
Check your credit score. This may mean running an annual free credit report, disputing any inaccuracies and putting a hold on any purchases which could hit your credit report.
Get pre-approved. When you have applied and become pre-approved for your first home, you can tour homes already understanding your mortgage terms and monthly payment information, allowing you to enjoy the process that much more.
Budget for closing costs. These can run about 2-5% of your loan amount and will need to be paid upon closing. Closing costs are not a part of your mortgage.
Save for good homeowners insurance. Once you've closed on your new home, be sure to protect your new investment with good homeowners insurance. At Truliant, we also offer homeowners insurance to help you keep your home safe.
Prioritizing your mortgage needs.
Answer the following questions to help prioritize your needs. The best mortgage for you will depend on the answers:
What options feature the lowest monthly payment?
What options require the lowest down payment?
What's my credit score and how does that affect my options?
Am I eligible for government-backed loans?
What's going to cost me less in the long run?
How long am I planning on staying in my home?
How to Buy a Home
Whether you're in the process of buying your first home or you are back in the housing market after a long time away, you've probably got a lot of questions. Don't worry: we've got answers. Explore our Home Ownership Learning Center. You will find articles walking you through the process of buying a house, making the most of your home equity, and maintaining your home's value after purchase.
Federally insured by NCUA and Equal Housing Lender. Rates and terms subject to change prior to consummation of the loan. Available to members with homes located in VA, NC, SC, OH, TN, FL and GA. Loans subject to credit approval.
(1) easyClose, or electronic closing, is only available in North Carolina.
(2) ARM = Adjustable Rate Mortgage. As with any ARM loan, interest rate and payment may increase after the initial rate period of 7 years. 5% maximum interest rate increase for life of loan.
(3) Had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase. 700+ credit score required. Available for loans between $60,000 - $300,000. Available only for purchases on primary, single-family residences (manufactured homes, condos and timeshares do not qualify). Buyer must contribute minimum 1% towards closing costs or prepaids. Homebuyer education required.
Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
Free standard Truliant checks
Free official checks
Free incoming wire transfers
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000
Order checks
Standard Truliant Checks are free
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International (incoming wires are free)
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number
Automatic recurring drafts made using your debit card number
We also offer Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 (Domestic / International)
Wire transfer (outgoing)
$25.00 (Domestic) $35.00 (International)
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members. See more details here.
Acceptable forms of identification:
Driver’s license (state or U.S. territory issued)
Driver’s license learner permit (state or U.S. territory issued)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Low-cost standard Truliant checks — Only $10 per order
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000
Order checks
Standard Truliant Checks = $10.00
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 Domestic or International
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
