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Family having fun in their new home

Mortgage Loans

  • Mortgage loans are available in North Carolina, South Carolina, Virginia, Florida, Tennessee, Ohio and Georgia
  • Choose between fixed and adjustable rates 
  • Flexible options that are tailored to your unique needs
  • Apply now using your computer or mobile device
  • Product Details
  • Fees and Terms

    Origination Charge 

    Truliant charges this fee on all mortgages. For fixed rate and ARM mortgages up to $453,100, 1% of loan amount +$500 (underwriting fee).  For Jumbo Mortgages ($453,101 - $2,000,000), the origination charge is 0.25% of the loan amount + $695 (underwriting fee). 

    Appraisal Fee

    Up to $525 on primary residences and second homes, $825 on investment properties for mortgage loans up to $484,350. Appraisal fee for Jumbo Mortgages ($484,351 - $2,000,000) is $750. Fees are non-refundable once the appraisal is ordered and completed. The appraisal verifies the value of your home relative to the loan amount you requested. The appraisal is generally performed by a professional who is familiar with home values in the area and an interior inspection of the home is required. The fee for the appraisal is commonly passed on to the borrower.

    Credit Report Fee

    A $25, non-refundable charge. The money must be available in a Truliant account when the mortgage application is submitted. 

    Flood Certification

    Every mortgage requires flood certification. The fee for this certification is $8.00. An inspection will determine if the property is located in a flood plain, an area prone to flooding. The federal government determines whether an area is a flood plain. Lenders generally rely on the flood certification to determine if flood insurance will be required to satisfy the mortgage request.

    Title Services and Lender Title

    North Carolina title insurance is approximately $2 per $1,000 financed. North Carolina attorney fees average $850. Mortgages are closed in attorneys' offices, except for Ohio, Virginia and Florida where mortgages close in title company office. Member-owners choose their attorney, but Truliant always provides a list of settlement agents with their disclosure.

    Recording Fees

    The attorney files the paperwork with the register of deeds and passes the fee of up to $150 to Truliant. This fee is charged by the local government to record mortgage documents into the public record so that any interested party is award that a lender has an interest in the property. For our comparison purposes, a recording fee is considered to be a tax or other unavoidable fee.

    Transfer Taxes

    This tax applies primarily in Virginia and Florida and is based on the tax value of the property when the property is transferred from one owner to another.

    Daily Interest

    This amount depends on when you close on your house. The daily interest charge is calculated by dividing the interest rate by 360 days and then multiplying that number by the outstanding mortgage balance. If you multiply the daily interest charge by the number of days in the month, you'll get the monthly interest charge.

    Homeowners Insurance

    We estimate fair value but do not offer insurance to members. This insurance policy covers the upcoming year and must be obtained from an insurance company. This insurance protects a homeowner against the cost of property damage caused by fire, windstorms and other common hazards.

Whether you're purchasing a new home or refinancing your current mortgage, you'll get peace of mind and satisfaction from one of our multiple mortgage options. Financing a home is a big decision, and we want to make it as easy and cost-effective as possible for you. We make closing costs affordable, and we never charge a prepayment penalty if you want to pay off your mortgage early. Plus, you can set up easy, automatic payments to take care of your mortgage payment every month. Available in North Carolina, South Carolina, Virginia, Georgia, Tennessee, Ohio and Florida. 

Visit our Home Center web page for a list of the most current mortgage rates.

Fixed-Rate Mortgages

Low, fixed rates allow you to budget confidently and accurately.

  • 10, 15, 20 and 30-year mortgages available
  • Borrow between $50,000 and $484,350
  • Borrow up to 95% of the value of the home

Adjustable-Rate Mortgages1 (ARMs)

Low rates allow you to save money every month with terms available up to 30 years.

  • Options include 3/1, 5/1 and 7/1 ARMs
  • Borrow between $25,000 and $484,350
  • Borrow up to 90% of the value of the home

First-Time Homebuyer Mortgages

Introducing HomePath100, Truliant’s first-time homebuyer mortgage, with a 5/5 ARM and 30-year maturity that offers 100% financing at a great rate.

  • Available for first-time homebuyers2
  • $60,000 minimum and $300,000 loan maximum
  • 700+ credit score required
  • Must be purchasing a primary residence
  • Buyer must contribute minimum 1% towards closing costs or prepaids (can be a gift
  • Homebuyer webinar is required

Low Down Payment Programs

  • Borrow up to 97% of the value of the home
  • Options include fixed rate, 5/1 and 7/1 ARMs
  • Borrow between $60,000 and $484,350
  • Reduced Private Mortgage Insurance (PMI) costs
  • Available only for primary residences3

Specialty Mortgages

    Jumbo Mortgages

  • Borrow between $484,351 and $2 million
  • Fixed-rate and ARMs available

    Manufactured Housing Loans

  • Borrow up to 80% of the value of the home
  • Borrow between $25,000 and $484,350
  • Available for double-wide homes on permanent foundations
  • Options include 3/1 and 5/1 ARMS

    Limited/No Credit Mortgages

  • Borrow up to 80% of the value of the home
  • Maximum loan amount: $150,000

    ITIN Mortgages

  • Borrow up to 80% of the value of the home or purchase price
  • Maximum loan amount: $250,000

    Single-Closing Construction Loans

  • Combine your construction loan and permanent mortgage financing
  • Pay closing costs only once
  • Loans serviced in-house at Truliant, from origination through processing, closing, disbursement, and construction
  • Existing land equity may satisfy your minimum down payment requirement
  • Must be undeveloped (no dwelling/house on property) – either raw land or in recorded subdivision
  • Loan amounts up to $484,350
  • Low closing costs

Ready to Apply?

To apply or learn more about Truliant's many mortgage plans, visit one of our Member Financial Centers in North Carolina, South Carolina and Virginia, or call our Contact Center at 800.822.0382 to get started today. You can also get started online at Truliant's Mortgage Loan Center.

Rates and terms are subject to change. Loans are subject to credit approval. (1) ARM = Adjustable Rate Mortgage. Payment Example: Monthly payment for 5yr ARM for $150,000 loan at 3.625% interest rate is $684.07 for ­first 5 years. As with any ARM loan, interest rate and payment may increase after initial rate period of 3, 5, or 7 years. Future rates and payments are based on the 1-year Treasury index plus a margin of 2.50% (for 3 yr. and 5 yr.) and 2.75% (for 7yr.) after initial rate period of 3, 5, or 7 years. 5% maximum interest rate increase for life of loan. (2) Had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase. (3) Manufactured homes and condos do not qualify. ​