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Explore down payments as low as 3% down.

Get preapproved for a Mortgage. Talk to a professional

Where should we start?

Show me how much I can afford.

Want to know how much house is in your budget?1, 2 Our calculator3 can show you based on your monthly expenses and income.

I want to get preapproved for a mortgage.

A smart move. Getting a mortgage preapproval4 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.

Option 1

Homebuyer's guide

See what's ahead in 10 minutes.

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.

Planning for homeownership. A step-by-step guide for homebuyers. (PDF) of the planning for homeownership guide
Apply and close with confidence. Your roadmap to home financing. (PDF) of the planning for homeownership guide

Option 2

Payment assistance

Do you qualify for home down payment grants or 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.

Know your options for home assistance.
Talk to a professional to see if you qualify for home down payment grants or assistance.

Today’s mortgage ratesDisclosure 5

Mortgage rates change every day. If you see a rate that works for you, start your application right away.

Check rates to see a mortgage rate that is right for you.

Calculate your mortgage payment. 

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

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[music begins]

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.

[music ends]

Money and Mindset

Make the most of life's moments

Spending and Saving

Don’t let the unexpected rattle you, grow your money confidence.

Need more help?

Check out Money and Mindset

Tools

Guide to budgeting

Credit card payoff calculator

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1 Certain program and geographic restrictions may apply, ask your loan officer for details.

2 If the loan amount is more than 80% of the home’s purchase price, the calculator will also estimate a monthly amount for private mortgage insurance (PMI).

3 This calculator is made available by one or more third party service providers. It is not intended to be an advertisement for a product or service at any of the terms used herein. It is not intended to offer any tax, legal, financial or investment advice. All examples are hypothetical and are for illustrative purposes. Truist Financial Corporation ("Truist") and its affiliates do not provide legal or tax advice. Truist cannot guarantee that the information provided is accurate, complete, or timely. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Truist makes no warranties with regard to this calculator or the results obtained by its use. Truist disclaims any liability arising out of your use of, or any tax position taken in reliance on, this calculator. Always consult an attorney or tax professional regarding your specific legal or tax situation.

4 Preapproval is based on non-verified information and is not a commitment to lend by Truist Mortgage. Loan approval will be subject to, but not necessarily limited to, verification of all income, asset and liability information provided by you, satisfactory property appraisal, compliance with Truist Mortgage loan program guidelines and all required closing conditions such as survey and title examination.

Disclosure 5 Mortgage Rates and APR examples are representative of products available through Truist Bank. In addition to discount points provided, the APR also includes an average of costs a borrower would pay for tax service, flood hazard determination, and closing-related services, as permitted by regulation and law. Other charges may include, as applicable to the loan program and permitted by regulations, those for appraisals, credit reports, title insurance, and other miscellaneous costs. We will be happy to provide specific information on your transaction upon request. The following Annual Percentage Rate (“APR”) examples are for a typical transaction and are only examples. Please call (877) 907-1043, email us, or find a loan officer serving your community to learn more about a specific APR for your transaction. Monthly payments are shown as principal and interest only and do not include PMI, taxes, insurance, or other applicable escrows. Actual payment obligation will be greater.

Disclosures

Truist Bank, Member FDIC. © 2023 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank. Deposit products are offered by Truist Bank.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

  • Limited English Proficiency Support
  • New York City residents

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

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