Whether you became a homeowner with Truist or your loan has been placed in our care through a refinance or a loan transfer, let’s get you started off right. Complete these three easy steps and managing your mortgage gets that much easier.
1. Download our mobile app.
2. Create an online account—it takes just minutes.
This servicing transfer does not change the original terms and conditions of your mortgage. You will not be charged a late fee for 60 days, and we will not report your account as delinquent to the credit reporting agencies during the first 90 days following your loan transfer.
If you believe a transfer has wrongfully impacted your credit score, you may submit a credit dispute online or by mail at:
Credit Bureau Services
P.O. Box 849
Wilson, NC 27894
The first billing statement you receive from Truist will show the due date of the first payment you should send directly to Truist. If your mortgage was transferred to Truist, your previous servicer will forward any recent payments received by them after the transfer.
There’s a much simpler way to check off paying your mortgage from your monthly to-do list. Set up auto-recurring payments—it only takes a few minutes and will save you even more time.
You can also complete the Recurring Payment Authorization Form (PDF) and mail or fax the completed form. Attaching a voided check or deposit slip will help us verify your account information, though it’s not required.
P.O. Box 1868
Greenville, SC 29602-1868
Make an extra payment that goes straight to your principal—and pay off your home loan even sooner. Select the Bi-Weekly® Mortgage Payment Plan to make 26 half mortgage payments versus 12 full payments, equaling one full extra payment per year. Sign in to your Truist mortgage account to enroll.
During your first month of enrollment, you must pay both your regular monthly payment plus your two half payments. After, you’ll start paying half of the total monthly mortgage payment every two weeks via recurring debits.
You may be able to set up electronic payments through your deposit account at another institution. You will need to sign in to your deposit account to set up payments. Depending on your bank, it may take a day or two for your payment to post to your mortgage account, and you will need to keep up with any changes to your payments due to a new escrow analysis.
You are responsible for paying all real estate taxes and insurance bills, and showing Truist that you did. Keep your receipts, include your 10-digit loan number, and send them to:
Tax Department, Truist – 0011883
P.O. Box 92370
Rochester, NY 14692
Attn: Tax Department, Truist – 0011883
P.O. Box 7952
Springfield, OH 45501
Unexpected illnesses, changes at work, and natural disasters such as a hurricane or wildfire can make it difficult to keep up with mortgage payments. Fortunately, we have options to help you stay in your home through these tough times. If staying in your home isn’t an option, we’ll do everything we can to help you avoid foreclosure.
Is your forbearance ending soon? Just because your forbearance is ending, doesn't mean you're on your own. We're here to help you get back on your feet. You may be eligible for an extension or other assistance. Contact us today at 800-443-1032 or find a HUD-Approved housing counselor for advice on what to do next.
Truist mortgage assistance process:
To help us better understand your hardship (i.e., income reduction, divorce, medical issues, etc.), start a conversation by calling 800-443-1032. We’re available Monday through Thursday from 8 a.m. to 10 p.m., Friday from 8 a.m. to 8 p.m. and Saturday from 9 a.m. to 1 p.m. ET. Please have your Truist mortgage loan number ready when you call. Assistance options often vary by investors, so ask our representative if you are unsure about the investor for your loan.
Most investors allow forbearance as an option. It doesn’t require any documentation, and is a good first step for many clients who need time to gather documentation required for a full review of all available assistance options.
Forbearance allows you to make a partial payment—or no payment whatsoever—for a specified period of time (typically 3–6 months). That way, you could prolong foreclosure or even place the foreclosure process on hold, giving you more time to resolve a temporary financial hardship.
Let’s determine the best option for you. To begin applying for a loan modification or other assistance, take these steps to give us a complete understanding of your financial situation.
To facilitate prompt and accurate imaging of your documents, include your FULL name, applicable 10-digit loan number, and date at the top of the form.
Ensure each document includes your mortgage loan number. If multiple documents for the same loan are being submitted, include the loan number at the top of each page. We will accept your documents via fax, mail, or email, but please note specific instructions for each method.
P.O. Box 26150
Richmond, VA 23260
If you are submitting documents for more than one loan, please send a separate transmission for each loan. Once you've completed these steps, you will be contacted by the Home Preservation Center, which will be your point of contact throughout the qualification process.
Call us at 800-634-7928
Option 8 for Spanish
We accept calls made using Telecommunications Relay Service (TRS). Dial 7-1-1 to initiate a call.
Monday – Friday: 8 am – 8 pm ET
Saturday: 9 am – 3 pm ET