Truliant Mortgage Loans

Truliant Mortgage Loans

Whether you're purchasing a home, or refinancing your current mortgage, we offer solutions that give you peace of mind. Available in North Carolina, South Carolina, Virginia, Georgia, Tennessee, Ohio and Florida.

Fixed-Rate Mortgages:

Low, fixed rates allow you to budget confidently and accurately. ? 10, 15, 20 and 30-year mortgages available ? Borrow between $50,000 and $510,400 ? Borrow up to 95% of the value of the home

Adjustable-Rate Mortgages1 (ARM):

Low rates allow you to save money every month with terms available up to 30 years. ? Options include 3/1, 5/1 and 7/1 ARMs ? Borrow between $25,000 and $510,400 ? Borrow up to 90% of the value of the home

Low Down Payment Programs:

? Borrow up to 97% of the value of the home ? Options include fixed rate, 5/1 and 7/1 ARMs ? Borrow between $60,000 and $510,400 ? Reduced Private Mortgage Insurance (PMI) costs ? Available only for primary residences2

First-Time Homebuyer Mortgage:

Introducing HomePath100, Truliant's first-time homebuyer mortgage, a 5/5 ARM with a 30-year maturity that offers 100% financing at a great rate. ? Available for first-time homebuyers? ? $60,000 minimum and $300,000 loan maximum ? 700+ credit score required ? Must be purchasing a primary residence ? Buyer must contribute minimum 1% towards closing

costs or prepaids (can be a gift) ? Homebuyer education required

Specialty Mortgages:

? Jumbo mortgages o Borrow between $510,401 and $2 million o Fixed-rate and ARMs available

? Manufactured housing loans o Borrow up to 80% of the value of the home o Borrow between $25,000 and $510,400 o Available for double-wide homes on permanent foundations o Options include 3/1 and 5/1 ARMS

? Limited/no credit mortgages o Borrow up to 80% of the value of the home o Maximum loan amount: $150,000

? ITIN mortgages o Borrow up to 80% of the value of the home or purchase price o Maximum loan amount: $250,000

Single-Closing Construction Loans:

? Combine your construction loan and permanent mortgage financing

? Pay closing costs only once ? Loans serviced in-house at Truliant, from origination

through processing, closing, disbursement, and construction ? Existing land equity may satisfy your minimum down payment requirement ? Must be undeveloped (no dwelling/house on property) ? either raw land or in recorded subdivision ? Loan amounts up to $510,400 ? Low closing costs

To apply or learn more about Truliant mortgages, visit your local Member Financial Center or contact us at 800.822.0382. You can also get started at our Mortgage Loan Web Center at .

Federally insured by NCUA. Rates/terms subject to change prior to consummation of the loan. Available to members in VA, NC, SC, OH, TN, FL and GA. Loans

subject to credit approval. (1) ARM = Adjustable Rate Mortgage. As with any ARM loan, interest rate and payment may increase after the initial rate period of 3, 5 or 7 years. 5% maximum interest rate increase for life of loan. (2) Manufactured homes and condos do not qualify. (3) Had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase.

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