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TODAY'S MORTGAGE RATES

Today’s mortgage ratesDisclosure 1

These numbers could change tomorrow, and the interest rate you receive may vary depending on your credit score, your loan’s purpose, and other factors. Call 855-257-4040 or find a Truist loan professional near you if you have questions about current mortgage rates or to get a personalized rate quote.
 

The following Annual Percentage Rate (APR) examples are for a typical transaction and are only examples. 

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Buy a home

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Refinance

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Monthly payments shown are principal and interest only and do not include PMI, taxes, insurance or other applicable escrows. Actual payment obligation will be greater. Agency fixed rates are based on a loan amount of $200,000, credit score of 740 and 25% down payment. Jumbo rates are based on a loan amount of $825,000, credit score of 740 and a 25% down payment with relationship incentive. Rates without the auto recurring payment incentive will be higher. FHA rates are based on a loan amount of $200,000, credit score of 680 and a 3.5% down payment. VA rates are based on a loan amount of $250,000, credit score of 720 and a 0% down payment. Clients must meet product eligibility criteria for VA Loans.

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I want to get preapproved.Disclosure 2

I'm ready to apply.

Understand each loan type.

Fixed-rate loan

The most common way to buy or refinance a home. It’s a solid choice when rates are low to keep your payments predictable—your principal and interest won’t change from month to month. And predictable can be a good thing.

Veterans Administration (VA) loan

This is a benefit offered to veterans and their surviving spouses. A VA loan has no requirement for private mortgage insurance (PMI)—giving our servicemembers added flexibility with down payment amounts.

Federal Housing Administration (FHA) loan

Ideal for first-time homebuyers, or those with income limitations. FHA loans allow you to get into your home with a lower down payment requirement than most others, with greater flexibility in accommodating your needs and preferences.

Jumbo loan

For when you’re in the market for a little more house than a conventional loan will service. These loans can enable the purchase of properties of up to $3 million with no private mortgage insurance required.

MORTGAGE CALCULATOR

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Disclosure 1 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 you with specific information on your transaction upon your request. The 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.

Rates and program information are not guaranteed. Rates on this page are based on the purchase (or refinance where noted) of a single-family, single-unit, detached, primary residence located in Richmond, VA. Rates also assume a 30-day lock for purchase and 90-day lock for refinance, and are subject to change without notice. All rates are subject to length of lock, pricing adjustments for credit score, loan-to-value ratio, property location and additional factors based on the loan program. Product parameters may vary due to additional restrictions, including but not limited to program/qualification requirements, actual loan amount and additional limitations/restrictions based on local market conditions.

Agency rate examples are based on a loan amount of $250,000, credit score of 740 and a 25% down payment.

Jumbo rate examples above are based on a loan amount of $825,000, credit score of 740 and a 25% down payment with relationship incentive. Rates without the auto recurring payment incentive will be higher.

FHA rate examples are based on a loan amount of $200,000, credit score of 680 and a 3.5% down payment.

VA rate examples are based on a loan amount of $250,000, credit score of 720 and a 0% down payment. Borrowers should note that 100% mortgage financing will result in no property equity until such time as the loan principal is paid down through regular mortgage payments and/or the property value appreciates.  Additionally, if property values decline you could owe more than your property’s value. Borrowers must meet product eligibility criteria for VA loans.

Disclosure 2 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. 

Disclosure 3 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. 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.

Disclosures

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Investment and Insurance Products:

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

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Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

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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.

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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. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support 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.

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

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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