Turn your Truist relationship into a lower rate on a new mortgage.

By banking with Truist, you may qualify for an interest rate reduction based on your total deposit and investment balances.Disclosure 1 Your overall Truist relationship helps determine the discount you can receive.

Schedule an appointment with a mortgage professional.

Or call 855-445-0999 to talk to a mortgage professional.

Why your relationship matters

Lower your expected monthly payments.

Reduce interest costs and give yourself more flexibility in your monthly budget.

Save money over the life of your loan.

Use our mortgage calculator to see the difference a rate discount makes.

More value from a relationship built around you.

Connecting your mortgage with your broader Truist relationship can help simplify your finances and support your long-term plans.

How is the mortgage rate discount determined?

Your Truist relationship may already make you eligible for a mortgage rate discount. An advisor can help you explore your options with no obligation. If a discount is applied to your next home purchase or refinance, your rate will be lowered by at least 0.25%Disclosure 1 . Discount rates are subject to change at any time.

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A rate discountDisclosure 1 can save you money on mortgage interest. Let’s look at two examples.

Example 1
Maria keeps $100,000 across her Truist checking, savings, and investment accounts. When she applies for a $510,000 mortgage, her combined balances earn her a .25% interest rate discount on her 30-year fixed rate.

A .25% interest rate discount will save Maria roughly $83 per month and more than $30,000 over the life of her 30-year loan.

Example 2
David and Jordan currently keep $150,000 with Truist, earning them a .25% discount on their mortgage. They also hold $100,000 in a brokerage account at another institution. By moving that external balance to a Truist investment account, their total qualifying assets rise to $250,000, pushing them into the next tier and making them eligible for a .375% interest rate discount.

On their $1.2 million mortgage, that amounts to roughly $293 in savings per month and more than $100,000 saved over the full 30-year term. Consolidating assets with Truist helps them unlock a larger discount and reduce the long-term costs of ownership.

Minimum total balanceMaximum total balancesMortgage rate discount
$100,000$249,999.99-0.250%
$250,000$499,999.99-0.375%
$500,000$1,999,999.99-0.500%
$2,000,000$2,999,999.99-0.625%
>=$3,000,000 -0.750%
Check rates for home mortgages.

Frequently asked questions about mortgate rate discounts

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Yes, you can open a new account to increase your qualifying assets and reach a higher discount tier. Clients with combined deposit and investments at Truist of at least $100,000 may also qualify for Truist Premier.

Balances count if the borrower is a named account holder. That means joint accounts with a spouse generally will count, but custodial, trust, or business accounts typically do not.

If you’re already a Truist client, you may qualify based solely on your existing balances. Moving additional assets may help you reach a higher discount tier and increase your discount.Disclosure 1 New assets generally need to be transferred and funded before the verification process begins.

Related resources

Making an offer on a home? What to know

Once you’ve found the right home, learn about making an offer—and how a preapproval may help.

Learn more about making an offer on a home.
APR vs. interest rate: It pays to know the difference

Learning how each of these key numbers affects your home purchase can help you feel more confident in your decision.

Learn more about the difference between APR and interest rate.

Looking for something else?

Truist Premier

Discover Truist Premier Banking, with premium benefits on everyday banking products, personalized guidance, and investment tools for clients with at least $100,000 in balances.

Learn more about Truist Premier Banking.
Home mortgage

A new home—or a new mortgage—might look good on you. Check out our online tools to make your next move easier from start to finish.

Buy or refinance with a Truist mortgage.
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Disclosure 1 For clients who meet specific asset balance tiers, Truist offers interest rate discounts on most mortgage loans (excluding CHIP, Bond and Assumption mortgages). The mortgage borrower must be a named account holder for the asset account to be included in balance tier calculation. Qualifying asset balances include: Truist personal checking, savings, money markets, CDs, IRAs and investment accounts held at Truist or any Truist affiliate. Certain account types are excluded from asset balance tier calculations, including commercial, business, tax-qualified annuities, ERISA, Keogh, bank collateral, foreign, fiduciary, custodial, and trust accounts in which the borrower is only listed as a beneficiary. This is not intended as an exhaustive list of eligible or ineligible accounts, which are subject to change; please talk with a Mortgage Loan Officer for questions about determining which discount tier would apply. The Truist asset account(s) used to determine rate discount eligibility must be opened and funded with the required asset amounts 7 days prior to loan closing. If the eligible balance is not available for verification seven (7) business days prior to closing, the loan must be repriced, at which point the borrower may choose to close the loan without the rate discount, or to extend the closing date for an extension fee. Please note that for purposes of determining which discount tier applies, combined asset balances must be exclusive of down payment and loan closing costs, unless evidence of sufficient funds at another institution is provided. This rate discount may not be combined with certain other discounts. The current discount tiers are shown below. As an example, if a borrower who would otherwise obtain a mortgage loan interest rate of 7.00% APR had $250,000 in qualifying asset balances, their adjusted rate, after application of the 0.375%-point discount, would be 6.625% APR. Truist may change or discontinue this discount pricing at any time without notice. 

Pricing discounts based on relationship:
Minimum Relationship Maximum Relationship Relationship Pricing Mortgage Rate Discount
$100,000 $249,999.99 −0.250
$250,000 $499,999.99 −0.375
$500,000 $1,999,999 −0.500
$2,000,000 $2,999,999.99 −0.625
>=$3,000,000 >=$3,000,000 −0.750

Disclosure 2 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. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo 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

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist 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.

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.

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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