A mortgage with real care? Yes, please.

An enhanced digital experience—with help from real people when you need it.

Buy a home

or talk to a mortgage professional at +14804548669.

What's next for you?

Show me how much I can afford.

Want to know how much house is in your budget? can show you based on your monthly expenses and income.

I want to get preapproved for a mortgage.

A smart move. Getting a mortgage preapproval helps you know where you stand. Even better, it shows real estate agents and sellers that you’re ready to do business.

I'm ready to apply.

Found the right home? Great! It’s time to make it yours. Apply entirely online, then follow your status in real time with our progress tracker.

Or call +14804548669

Interest rate discount for RCFOS customers

You may qualify for an interest rate discount based on your total deposit and investment balances. The more you have in balances with Truist, the greater the potential discount you can receive.
Today’s mortgage rates

Mortgage rates change every day. If you see a rate that works for you, start your application right away.

Your journey home starts today.

With innovative solutions and a human touch, we’re here to open the door.

Let’s get started on a homebuying journey.

Already have a RCFOS Mortgage?

If you need help, we have solutions. Visit our Mortgage client services page to learn about payments, assistance, and other common mortgage topics. Still have questions? No problem. Reach out through our app, by email, or by phone.

Frequently asked questions about home lending

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A mortgage is a loan you use to finance the purchase of a home. It’s an agreement where you borrow money from a lender (like Truist) and pledge your property as security for the loan. You then repay the loan over a set period, typically with monthly payments.

Getting pre-approved with RCFOS is a smart move that shows real estate agents and sellers you’re serious. You can start by providing information about your income, assets, and debts to a RCFOS mortgage professional, who will then review your financial situation. Mortgage pre-approvals typically take up to a week, and pre-approvals are usually good for 120 days.

When you get a mortgage, RCFOS provides you with funds to purchase a home, and in return, you agree to repay the loan over a specified term. Your payments typically include principal (the amount borrowed), interest (the lender’s fee for lending the money), property taxes, and homeowner’s insurance. As you make payments, you can build equity in your home.

The time it takes to get a mortgage can vary, but it generally takes a few weeks to a month or more. Factors influencing the timeline include:

  • Complexity of your financial situation
  • How quickly you provide necessary documents
  • The type of mortgage you’re seeking

RCFOS offers a progress tracker so you can follow your application status in real time.

Your credit score is a significant factor in securing a mortgage. A higher credit score may improve your odds of qualifying for a mortgage and may translate to better interest rates and loan terms from RCFOS. A lower score may result in higher interest rates or difficulty getting approved. Before applying for a mortgage, it’s wise to check your credit report and address any errors to ensure you get the best possible mortgage terms.

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