To learn about common mortgage servicing fees, view our Manage Your Mortgage Fee Schedule (PDF). New York state residents, access this version (PDF).
There’s a much simpler way to check off paying your mortgage from your monthly to-do list. Set up auto-recurring payments—it only takes a few minutes and will save you even more time.
You can also complete the Recurring Payment Authorization Form (PDF) and mail or fax the completed form. Attaching a voided check or deposit slip will help us verify your account information, though it’s not required.
Truist Mortgage
P.O. Box 1868
Greenville, SC 29602-1868
Make an extra payment that goes straight to your principal—and pay off your home loan even sooner. Select the Bi-Weekly® Mortgage Payment Plan to make 26 half mortgage payments versus 12 full payments, which most years can equal one full extra payment per year.
During your first month of enrollment, you must pay both your regular monthly payment plus your two half payments. After, you’ll start paying half of the total monthly mortgage payment every two weeks via recurring debits.
Find a branch to make your payment in person at any of our locations.
To make a payment with our automated line, call 800-634-7928.
Use the coupon attached to your periodic billing statement to send your payment to:
Truist Bank
P.O. Box 79041
Baltimore, MD 21279-0041
You may be able to set up electronic payments with your deposit account at another institution. You will need to sign in to your deposit account to set up payments. Depending on your bank, it may take a day or two for your payment to post to your mortgage account, and you will need to keep up with any changes to your payments due to a new escrow analysis.
Except for ARM loans, and some rare situations where a loan is modified, the total of principal and interest in each payment typically stays the same from the beginning to the end of a mortgage loan. The amount of each payment that is interest versus principal will usually change from month to month.
Escrow (taxes and insurance) and mortgage insurance Escrow (taxes and insurance) and mortgage insurance
Tax and Insurance amounts can change every year, and private mortgage insurance may fall off many types of loans after a number of years. These changes result in fluctuations in payments for a vast majority of all mortgages. This is something to keep in mind to keep up with those changes, and to avoid falling behind on payments.
Late charges and other fees Late charges and other feesYour billing statement will also show any late charges or other fees charged to your loan. Late charges are typically charged if your payment is not received within the grace period. Your payment coupon on the billing statement allows you to write in the amount you want to pay towards these charges when you send in your payment. You can also pay those charges and fees by managing your account online, over the phone, or at a branch.
Extra payments towards your loan balance Extra payments towards your loan balanceMany of our clients like paying a little extra towards their loan each month to shave months or years off their mortgage. A little can go a long way, just be sure to give us clear instructions online, over the phone, or by using the coupon on your billing statements.
We do our best to follow your instructions, but we ask that you take a moment to ensure your payment was applied correctly. Just call us, or send us a secure message through your online account, if you notice an error. For faster repayment, you may want to consider the Bi-Weekly® Mortgage Payment Plan.
From setting up recurring payments to filing a credit dispute, find everything you need to help manage your mortgage in a convenient format.
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.
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.
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.
Hours
Monday - Friday: 8 am - 8 pm ET
Saturday: 9 am - 3 pm ET
Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.
Equal Housing Lender
Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.
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.
Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.
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. Truist offers the following resources for consumers that have Limited English Proficiency:
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.
