Truist Mortgage Rates and Costs in Jacksonville — Verified Comparison

Compare Truist's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.

Last verified: November 1, 2026 · Freeman Douglas pricing pulled Sunday, November 1, 2026 at 1:22 PM ET

Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of Truist Bank. Truist information is third-party public advertising, reproduced here for consumer comparison.

VA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Truist

Truist's published example: $250,000 loan, 720 credit, 0% down — truist.com, checked November 1, 2026

6.625%

Interest rate

APR: 7.023%

Monthly principal & interest (on their $250,000 example)$1,600.78

Discount points0.935 discount points — $2,338 on their example

30-year interest (on their example)$326,280

View the bank's original published offer ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.250%

Interest rate — 760 credit

APR: 6.408%

Monthly principal & interest$2,770.73

580 credit tier6.625% / 6.788% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$547,462

VERIFIED LOWER COST

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

FHA Loan — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Truist

Truist's published example: $200,000 loan, 680 credit, 3.5% down — truist.com, checked November 1, 2026

6.700%

Interest rate

APR: 7.642%

Monthly principal & interest (on their $200,000 example)$1,290.56

Discount points0.842 discount points — $1,684 on their example

30-year interest (on their example)$264,600

View the bank's original published offer ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.125%

Interest rate — 760 credit

APR: 7.010%

Monthly principal & interest$2,734.25

580 credit tier6.625% / 7.519% APR — $2,881.40 P&I

Discount points0 — $0

30-year interest$534,329

VERIFIED LOWER COST

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

Conventional — 30-Year Fixed

30-year fixed only — the standard every comparison on this page is held to.

THE BANK'S PUBLISHED OFFER

Truist

Truist's published example: $200,000 loan, 740 credit, 25% down — truist.com, checked November 1, 2026

7.100%

Interest rate

APR: 7.290%

Monthly principal & interest (on their $200,000 example)$1,344.06

Discount points0.712 discount points — $1,424 on their example

30-year interest (on their example)$283,863

View the bank's original published offer ↗

THE FREEMAN DOUGLAS OFFER

Freeman Douglas

Priced Sunday, November 1, 2026 at 1:22 PM ET · $450,000 loan scenario

6.750%

Interest rate — 760 credit

APR: 6.915%

Monthly principal & interest$2,918.69

620 credit tier7.250% / 7.433% APR — $3,069.79 P&I

Discount points0 — $0

30-year interest$600,729

VERIFIED LOWER COST

Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance

VA Loan — what is the actual difference?

Rate differences applied to the standard $450,000 scenario; the bank's points are shown on its own published example amount. Positive = Freeman Douglas lower.

Monthly P&I difference

$110.67

Upfront points difference

$2,338

30-year interest difference

$39,842

Interest + points difference

$42,179

FHA Loan — what is the actual difference?

Rate differences applied to the standard $450,000 scenario; the bank's points are shown on its own published example amount. Positive = Freeman Douglas lower.

Monthly P&I difference

$169.50

Upfront points difference

$1,684

30-year interest difference

$61,021

Interest + points difference

$62,705

Conventional — what is the actual difference?

Rate differences applied to the standard $450,000 scenario; the bank's points are shown on its own published example amount. Positive = Freeman Douglas lower.

Monthly P&I difference

$105.45

Upfront points difference

$1,424

30-year interest difference

$37,963

Interest + points difference

$39,387

This Is How Veterans Win

A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.

This Is How First-Time Buyers Win

A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.

Truist's Programs, Cited and Explained

Truist published rate table (cited: truist.com)

To its credit, Truist publishes a full example table — and every row of it carries discount points: 0.712 on conventional, 0.842 on FHA, 0.935 on VA. Points are prepaid interest: on its $250,000 VA example, 0.935 points is $2,337.50 due at closing to hold the advertised rate.

Same program, or the same outcome, here: Every Freeman Douglas figure on this page is priced at 0 points. If a bank's rate only exists with points attached, the honest comparison is APR and total lender charges — which is exactly the table above.

Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.

How This Comparison Is Built (Methodology)

Bank figures are taken from Truist's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.

Questions Borrowers Ask About Truist Mortgages

Why is Truist's FHA APR so much higher than its rate?

FHA loans carry upfront and annual mortgage insurance, which APR captures and the note rate does not — 6.700% rate vs 7.642% APR in Truist's own example. That gap is FHA's structure, not a Truist markup, and it is why FHA comparisons must be run on APR and total cost.

Are Truist's rates the rates I would get?

They are examples on stated assumptions (740/680/720 credit scores, specific down payments). Your scenario gets priced individually — here, in writing, the same day you ask.

Sources

Truist current mortgage rates — checked November 1, 2026

Have a Truist mortgage offer?

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