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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
  • A mortgage is the largest expense most people take on in their lifetime. Let us help guide you through the process with a mortgage tailored to your needs and your budget. Whether it’s your first home mortgage, or you’re considering refinancing your current mortgage, we can potentially help save you money each month.

    Discover the Perfect Mortgage to Fit Your Needs.

    In addition to great rates and flexible terms, you can find a wide variety of mortgages to get the most out of your home-buying experience. Truliant Mortgage Services offers:

    • Fixed-Rate Mortgages
    • Adjustable-Rate Mortgages (ARMs)
    • First-Time Homebuyer Mortgages with 100% Financing2
    • Low Down Payment Programs
    • Specialty Mortgages
    Click Mortgage Loan Options for more details. To see today’s rates or get prequalified online, please visit our Mortgage Loan Center.

    From fixed-rate to ARMs (1) and low down payment options, if you don’t have a large cash deposit up front, we can help customize your mortgage so that it’s perfect for you. Just like your new home! If you’re a first-time homebuyer, you’re also eligible for 100% financing with our HomePath100 mortgage.2. Don’t worry, there’s no catch or inflated rate. HomePath100 is a 5/5 ARM with a 30-year maturity at a great rate.

    Single Closing Construction Loans

    We know that mortgage needs are as unique as each member. From, manufactured home to ITIN or limited or no credit mortgage – we’re sure to have something for you. Truliant even offers single closing construction mortgages so that you can conveniently combine your construction loan and permanent mortgage financing.

    If you’re interested in land only for now, and want to wait to build your dream house, we also offer Land Loans as well.

    Ready to Apply?

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

    Federally insured by NCUA and Equal Housing Lender. Rates and terms subject to change prior to consummation of the loan. Available to members in VA, NC, SC, OH, TN, FL and GA. Loans subject to credit approval. (1) ARM = Adjustable Rate Mortgage. As with any ARM loan, interest rate and payment may increase after the 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. 700+ credit score required. 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. ​

    Origination Charge 

    Truliant charges a origination/underwriting fee on all mortgages.

    • Fixed rate and ARM mortgages up to $510,400:  $800 underwriting fee. 
    • Jumbo Mortgages, $510,401 to $2,000,000:  $995 underwriting fee. 

    Appraisal Fee

    Up to $525 on primary residences and second homes, $825 on investment properties for mortgage loans up to $510,400. Appraisal fee for Jumbo Mortgages ($510,401 - $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. 

    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.