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Mortgage Loans

Discover the perfect mortgage at Truliant.
Couple entering their new home for the first time

Truliant has a variety of mortgage options to fit your needs.

  • Manage your mortgage online
  • eClosing available1
  • Help for first-time homebuyers
  • Convenient digital application

A mortgage can be the most exhilarating, but scary, purchase you’ll make in your lifetime. And most people can’t pay cash for their home. The number of mortgage options out there can rival color choices for paint – too many to keep up with.

Truliant Mortgage Services is here to help you through the home-buying process, making sure you have a partner every step of the way, from prequalification to closing.

Our team can help pair you with the perfect mortgage for your needs. And as the first credit union in North Carolina to offer eClosing, you can even complete your mortgage virtually. Plus, we offer great rates, flexible terms and have plenty of options available – so you’ll be in your dream home in no time.

Enjoy a seamless experience even beyond your closing date with our 'Manage My Mortgage' portal within Online Banking and the Tru2Go mobile app. With the portal, you can make a payment, check on payoff statements, and view the details of your account on the go or at home 24/7.

What are you waiting for? Your journey to home ownership starts with the first step.

What should you expect when applying for a mortgage?

  1. 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.

  2. 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.

  3. Once a decision has been made on your mortgage application, we will contact you. If you are approved, your loan officer will reach out to discuss your loan amount, terms and payment information.

  4. 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 mortgage options do you offer?

With so many types of mortgage loans available, including those which help with lower down-payments, you may qualify for a home loan with a lower credit score. A Truliant mortgage loan officer will be happy to help you determine the right loan type for you and your situation before you apply. You can learn about some of our home financing options below.

Adjustable-Rate Mortgages (ARMs)2

An adjustable-rate mortgage is a great option for you if want a lower rate during the fixed portion of your mortgage. It allows you to build more equity faster, and typically you can secure an ARM with a lower down payment. Also, if you’re not planning in being in the home for 30 years, it’s an option worth exploring.

FHA Loans (Federal Housing Administration)

This is a government-backed mortgage insured by the Federal Housing Adminstration which allows us to provide home loans that require lower minimum credit scores and down payments. A good option for first-time homebuyers or people with lower incomes.

Fixed-Rate Mortgages

Lock in a great rate for the life of your loan with flexible term lengths available. We service all fixed-rate mortgages locally in-house.

HomePath100

If you’re a first-time homebuyer, you may be eligible for 100% financing with our HomePath100 mortgage3. Don’t worry, there’s no catch or inflated rate. HomePath100 is a 30-year fixed rate term and a 7/1 ARM with a 30-year maturity at a great rate.

Jumbo Mortgages

Jumbo mortgages are for loans starting at $647,201 up to $2,000,000. We offer up to 75% - 90% on the mortgage depending on the cost of the home.

Low Down Payment Mortgage

Truliant Mortgage Services offers several mortgage options that allow you to put as little as 3% down. Truliant home mortgage loans are scalable to your situation.

Single-Closing Construction Loans (also known as Construction-to-Permanent Loans)

If you're looking to build a house from scratch, Truliant Mortgage Services can help with that. A single-closing construction loan, or construction-to-permanent loan, offers the convenience of combining a new construction loan with a permanent mortgage. Instead of applying for and paying fees and closing costs for two different loans, this option automatically converts to a mortgage when construction is complete.

Specialty Mortgages

We offer several types of specialty mortgages to help get you into your home. If you're considering purchasing a manufactured home (available for double-wide homes on permanent foundations), we offer fixed rate and 7/1 ARM. For limited credit mortgages we offer loans up to $300,000. We also provide ITIN mortgages up to $300,000.

From fixed-rate to ARMs 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!

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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. Save for good homeowner's insurance. Once you've closed on your new home, be sure to protect your new investment with good homeowner's insurance. At Truliant, we also offer home insurance to help you keep your home safe.

Couple talking to contractor at new home site

Build your dream home with Truliant

Whether it's a large chef's kitchen you want or a wraparound porch for the kids to play on, build the home of your dreams with a Truliant Construction-to-Permanent loan.

By combining the flexibility of a construction loan with a traditional mortgage loan, you can save on the fees and closing costs of two loans. This automated process provides loan and fund draw transparency for you and your builder, and when you're ready to move, your mortgage is already set up so you can focus on what matters most: enjoying your new home.

How an eClosing Works

Whether you're closing on your first mortgage or your fifth, when you're looking for an easy way to close on your next mortgage, eClosing1 may be the perfect fit. Rather than going to one of your local branches, our credit union mortgage loan officers can help walk you through purchasing your new home with limited person-to-person contact. You can still expect the personalized attention Truliant is known for while completing the closing process at your convenience. Contact us today to learn more.

Benefits of an eClosing

  • Significantly faster than typical in-person closing
  • Added convenience of staying home
  • Sent on a secure network with all documents being encrypted
house information on a tablet

How to Buy a Home

Whether it’s your first mortgage, or you’re considering refinancing your current mortgage, we can potentially help save you money each month. Our rates are competitive and our service is unparalleled. Knowing what mortgage type is right for you is one of the many decisions that comes with buying a home – and Truliant Mortgage Services is here to help you make the best choice for you.

Learn what you need to know when considering making your next home purchase or when refinancing your home.

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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) eClosing, 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.