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Real Estate Loans

Mortgage Loans

  • Mortgage loans 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
  • Reviews
  • Whether you're purchasing a 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.

    Choose from multiple mortgages designed to fit your budget and lifestyle so you can achieve more of your life goals.

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

    Fixed-Rate Mortgages

    • Rates may change daily – contact a representative for rates based on your individual needs
    • Borrow up to 95% of the value of the home, so you can purchase a house with a smaller down payment
    • Enjoy low, fixed rates that allow you to budget your money confidently and accurately
    • Borrow between $50,000 and $2,000,000

    Adjustable-Rate Mortgages (ARMs)

    • Borrow up to 90% of the value of the home
    • 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 ARMs1 in which rates are fixed for 3-7 years and then adjust annually 
    • Borrow between $25,000 and  $2,000,000

    3% Down Mortgage

    • Purchase or refinance a home without having to come up with a hefty down payment – only 3% cash down (helps with lost equity)
    • Options include 3/1, 5/1 and 7/1 ARMs in which rates are fixed for 3-7 years and then adjust annually
    • Borrow between $60,000 and $453,100
    • Offers almost $1,200 in average fee savings over comparable FHA mortgage programs2
    • Reduced Private Mortgage Insurance (PMI) costs
    • Available only for primary residences (manufactured homes, condos, and timeshares do not qualify)

    Manufactured Home Loans

    • Borrow up to 80% of the value of the home depending on your individual needs
    • Low rates allow you to save money every month
    • Borrow between $25,000 and $453,100
    • Options include 3/1 and 5/1 ARMs1 in which rates are fixed for 3-5 years and then adjust annually
    • Program applies to double-wide homes on permanent foundations only

    Ready to Apply?

    When you’re striving for your goals, Truliant helps you achieve them as your financial partner. Secure a mortgage from Truliant and we'll help you purchase a home while saving you time and money. Feel free to 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. 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. Loans are subject to credit approval. (1) ARM = Adjustable Rate Mortgage. Payment Example: Monthly payment for 5yr ARM for $150,000 loan at 3.25% interest rate is $652.81 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) Assumes a $100,000 loan amount. 
  • CLOSING COSTS

    Origination Charge 

    Truliant charges this fee on all mortgages. For fixed rate and ARM mortgages up to $424,100, 1% of loan amount +$500 (underwriting fee).  For Jumbo Mortgages ($424,101 - $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 $424,100. Appraisal fee for Jumbo Mortgages ($424,101 - $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.

  • The most important feedback we get comes from our member-owners. We’re interested in hearing about your experience with Truliant’s products and services. Please provide a detailed review of your experience with this product. Our goal is to provide you with superior service, so you can focus on what really matters.
    Average Rating:
    Latoya Cole
    Truliant is the best bank - outstanding customer service.
    Heidy
    Excellent bank! Thanks for your help!
    Lillian Y Hunt
    Been with Truliant since age of 14 years old. Love this credit union and would never leave...........Thank you for over 30 years off excellent advise and loans.
    Wendy
    They are excellent. I have refinanced both of my car loans through them to take advantage of their low interest rates. I also hope to refinance my 30 year fixed rate mortgage into a 15 year fixed rate in a couple of years.
    Submit Your Rating
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