Adjustable Rate Mortgage (ARMs)

Pay lower monthly fees for the first period of your loan.

• 7/1 ARMs(1)

• Borrow up to 97% of the value of a home, up to $726,200

 

Affordable Loan Program

Get into your new home and start building equity.

• Borrow up to 100% of the value of a home, up to $726,200

• Options include 7/1 ARM and fixed rates

• Available for primary residences(2)

 

First-Time Homebuyer Mortgage

Try HomePath100, Truliant’s first-time homebuyer(2) mortgage, a 30-year fixed-rate term or a 7/1 ARM with a 30-year maturity that offers 100% financing at a great rate.

• $60,000 minimum and $300,000 loan maximum

• 700+ credit score required

• Must be purchasing a primary residence

• Buyer must contribute a minimum 1% towards closing costs or prepaids (can be a gift)

• Homebuyer education required

 

Fixed-Rate Mortgage

Budget confidently with a low, fixed rate.

• 10, 15, 20, 25 and 30-year mortgages are available

• Borrow up to 100% of the value of a home, up to $726,200

 

Government Loan Programs

Government loan programs allows us to provide home loans that allow for lower minimum credit scores and down payments.

FHA Loans

• Requires at least a 3.5% down payment

• No cash reserves are required

• Available only for primary residences

 VA Loans

• Active duty service members, Veterans, and eligible surviving spouses

• 100% financing available

• Available only for primary residences

 

State Assistance Programs

Truliant Mortgage is now an approved lending partner with the North Carolina Housing Finance Agency and the South Carolina State Housing Finance and Development Authority.

North Carolina Housing Assistance

• NC Home Advantage Mortgage: Offers down payment assistance up to 3% of the loan amount

  • Available for first-time and move-up buyers

  • Must occupy the home as your primary residence within 60 days of closing

  • Income and sales price limits may apply

• NC 1st Home Advantage Down Payment: Offers up to $15,000 in down payment assistance

  • Available for first-time home buyers and Military Veterans

  • Must occupy the home as your primary residence within 60 days of closing

  • Income and sales price limits may apply

Additional program guidelines, regulations, and limits may apply. Please speak with your loan officer for further details.

 

South Carolina Housing Assistance

• SC Housing’s Homebuyer Program: Offers a low, fixed-interest rate loan and down payment assistance

  • This program assists low-to-moderate income families and individuals who would like to purchase a home in certain counties. Please speak with your loan officer for details around the targeted and non-targeted counties and other requirements.

  • Income and sales price limits may apply

• Palmetto Home Advantage: Offers Conventional, FHA, and VA loan options for first-time, move-up, and repeat buyers with no first-time home buyer requirements

  • This program offers forgivable down payment assistance up to 4% of the loan amount with a $0 monthly payment

  • Applicable to residents across all 46 counties in South Carolina

  • Income and sales prive limits may apply

Additional program guidelines, regulations, and limits may apply. Please speak with your loan officer for further details.

 

Jumbo Mortgage

Jumbo mortgages are for loans starting at $726,201 up to $2,500,000 (with management approval). We offer up to 65% - 90% on the mortgage depending on the cost of the home.

 

Single-Closing Construction Loan

Combine your construction loan and permanent mortgage financing and pay closing costs only once.

• Low closing costs

• Existing land equity may satisfy your minimum down payment requirement

• Must be undeveloped (no dwelling/house on property) - either raw land or in a recorded subdivision

• Loans serviced in-house at Truliant

• Available in NC, SC, and VA only

 

Specialty Mortgages

Get the assistance you need with our non-traditional mortgage options.

• Manufactured housing loans (available for double-wide homes on permanent foundations)

  • Borrow up to 95% of the value of the home, up to $726,200

• Limited/no credit mortgages

  • Borrow up to 80% of the value of the home or purchase price, up to $300,000

• Individual Tax Identification Number (ITIN) mortgages

  • Borrow up to 80% of the value of the home or purchase price, up to $300,000