Buying a new home is on your mind. Making it easier for you is on ours.

First home or dream home, find the digital tools to ease your journey and a team you can trust—all right here.

Where should we start?

Show me how much I can afford.

Want to know how much house is in your budget?1,2 Our calculator can show you based on your monthly expenses and income.

I want to get preapproved for a mortgage.

A smart move. Getting a mortgage preapproval3 helps you know where you stand. Even better, it shows real estate agents and sellers that you’re ready to do business. 

I’m ready to apply.

Found the right home? Great! It’s time to make it yours. Apply entirely online, then follow your status in real time with our progress tracker. New to this? Watch a short video to know what to expect.

See what’s ahead in 10 minutes.

Homebuyer’s guide

Let’s untangle this together. Our mortgage professionals will talk you through everything to come, and our two-part homebuyer’s guide is a handy reference for what to expect and what you’ll need.

Do you qualify for home down payment grants or assistance?

Payment assistance

There are lots of ways to qualify for assistance to make your down payment. Maybe you’re a first-time homebuyer, active duty military, a veteran, or a teacher. There's even support depending on your state of residence.

See some of your options to make buying a home more affordable, then talk to a professional in your neighborhood to see if you qualify.

How much can you afford?

Buying or renting: Which is the best choice for you?

So you want to stop renting and become a homeowner. There’s one important question to ask yourself: Does it make financial sense right now? We’ll help you find the answer—fast.

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There’s a loan that’s right for you.

See one that looks right for your goals and budget? A loan professional can help you crunch the numbers.

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  • Build your budget around a predictable monthly payment.
  • Stay protected from rising mortgage interest rates for the life of the loan.
  • A good choice if you plan to stay in the home at least 5–7 years. 
  • For qualifying veterans and surviving spouses.
  • 100% financing available with no down payment.
  • Borrowers exempt from monthly mortgage insurance premiums.
  • Access larger loan amounts at competitive interest rates.
  • For primary residences and second homes, including condominiums.
  • Maximum loan amount varies by loan type, ranging from $1,500,000 to $3,000,000. 
  • Take advantage of favorable initial interest rates to enjoy lower monthly payments during the early years of the loan.
  • Loan rates will remain fixed during a designated time period with an interest rate and payment change during the remainder of the term.
  • Talk to a Truist mortgage professional to help you understand the benefits and possible outcomes of an ARM.
  • It's a great option for borrowers with limited cash for a down payment or lower FICO scores than needed for conventional financing.
  • Offers up to 96.5% financing on some loans. 100% of a down payment can come in the form of a gift from a family member or employer.
  • Borrowers have the option to choose a fixed-rate or an adjustable-rate mortgage (ARM) that adjusts annually after 5 or 7 years and offers protection from large interest rate increases at any one time.
  • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
  • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
  • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • Offers affordable, interest-only payments during construction.
  • No penalties are assessed for prepayment.
  • One upfront closing with one set of closing costs provides the financing for the lot, construction and mortgage.

 

How do we make your mortgage experience easier? Here's how.

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A few steps in life are monumental. Buying a home is one of them.

But just because it’s a big decision doesn’t mean it has to be complicated or stressful. We think it’s time for a smarter mortgage experience—one that’s supportive and straightforward. 

Our online mortgage application is the first step of a quick and straightforward home buying process.

How does it work?

Our step-by-step experience guides you through your application. Every prompt is personalized to your situation, and technology links to your bank statements and tax forms to keep all of your documents organized in one safe place.

If you have questions along the way, your loan officer is there for real-time assistance and answers.

Taking a quick lunch or break between meetings? Our process is efficient, so you can finish your application quickly and confidently.

And we know you want to keep tabs on where your application stands, so our app tracks your progress all the way to closing.

Whether you’re buying your first home, your next home, or refinancing the home you’re in, you should be focused on enjoying what that home means to you, and leave the legwork to us.

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Resources for buying a home

Homebuying doesn’t have to be so demanding. Raise your mortgage IQ with explanations of common terms you’ll run into along the way.

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