Periodic billing statement

You can expect to receive a periodic billing statement at least once a month.

Escrow Account Disclosure statement

If your account is set up to have property taxes, insurance, and/or mortgage insurance paid on your behalf, you can expect to receive an Annual Escrow Account Disclosure statement at least once a year. 

It’s important to pay attention to this statement because changes to escrowed amount due can impact your payment. You’ll then want to make appropriate adjustments to your payments to ensure your account stays current.

Year End Tax statement (IRS Form 1098)

IRS Form 1098 tax statement will be ready in online banking by January 31.  If you have a mail delivery preference, your statement will be mailed by January 31. Please visit to change your paperless preference option for tax documents. If your loan was transferred to us from another servicer, you may receive a separate 1098 from each servicer. Other 1098 information may include (as applicable) mortgage insurance premiums and property taxes paid on your behalf from escrow. 

If you are the primary borrower, and we have your email on file, we will send notice once the 1098 is available to view or download online.

Important notes about IRS Form 1098, Mortgage Interest Statement

Component ID : "faq-1410114866"
Model : "faq"
Position : "left"

Box 2 reflects the unpaid principal balance as of the beginning of the year being reported. Explanations for each box can be found on the reverse side of your 1098. To view your principal balance, please consult your latest monthly billing statement or view your mortgage account information online.  

There can be several reasons for this. For example, if you have an adjustable-rate loan, your interest rate may have increased. Additionally, if you made 13 payments from January through January of the following year, you are allowed to claim that interest. Any paid late charges will also be reflected under interest paid.

Interest is reported on the 1098 for what is due and payable for that calendar year. Any additional payments beyond January paid in prior year will not be included in the current 1098, but will be included in the following year.

The real property securing the mortgage is not located in a state requiring interest to be paid on escrow funds.

Truist is required to report points paid on new purchase owner-occupied loans which were originated through Truist or Truist Bank between January 1 and December 31. If you originated your loan through another lender, you will need to use your HUD-1 statement to claim the proper amount. Please contact a tax advisor for proper treatment of points on refinances and investment properties.

Truist files a Form 1098 with the IRS if a borrower pays $600 or more toward mortgage interest on any one mortgage during the year. If a borrower pays less than $600 in mortgage interest during the year, Truist does not file a Form 1098 with the IRS or mail a Form 1098 to the borrower.

  • The IRS Form 1098 reflects the account information reported under the primary borrower’s social security number.
  • We will not make any corrections to switch the order of borrowers unless there is an assumption or death of borrower.
  • Paper copies of statements are only mailed to the mailing address of the primary borrower listed on the account.
  • All borrowers on a loan can sign up to manage their mortgage online, and to view and download the statements as needed. 

For your privacy and security, we cannot email or fax the 1098. The 1098 will be sent by U.S. mail by January 31. If you are registered online, you can view or print another copy of your 1098.

Where can I find my statements?


You can view and download all your statements by signing in to your account at You can also opt in to paperless statements once you are signed in to your account.


  1. Sign in to your account via our mobile app or at
  2. Select Documents (Note: On the app you will need to select More at the bottom to see the Documents tab).
  3. Select Accounts, and then select your mortgage loan.
  4. Click on Tax Forms.

By mail

The primary borrower on a mortgage will receive a paper statement at the address they have provided. Any additional borrowers residing at a different address can view and download these statements online.

All borrowers should sign up for online banking, then set payment alerts, to keep informed of the payment history, as it impacts their credit.

I have a question about my statement, or I’ve found an error.

Send a secure online message.

Call Mortgage Client Services

Reach us at 800-634-7928.

Notify us by mail.

You can send a Notice of Error (NOE), Qualified Written Request (QWR), or Request for Information (RFI) to:

Truist Bank
P.O. Box 3307
Greenville, SC 29602

Please include your name, loan number, and information requested or reason you believe there is an error on your account.

Looking for a form?

From setting up recurring payments to filing a credit dispute, find everything you need to help manage your mortgage in a convenient format.

Considering a home purchase or refinance? We’ll take great care of you.

Buy a home

Find the right mortgage with the right tools—and a team you can trust. Our calculators show you how much you can comfortably afford. And you can track your application progress in real time with our app. Loan officers are just a call or click away with answers to all your mortgage questions.

Refinance your home

Today could be the day to lower your payment or consolidate debt. Start by checking our daily refinance rates to see how much you could save on your monthly mortgage payment.

We’re here when you need us.

Contact us by phone.

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


Visit a branch near you.