SunTrust loans, SunTrust credit, Credit and Lending, Loans from SunTrust

Credit and Lending

Whether you need financing for a vacation property or to raise capital for your business, SunTrust offers lending and credit solutions to meet the more complex needs of high-net-worth individuals and businesses.

As a Private Wealth Management client, you have access to:

  • Personalized service to help manage your credit relationship every step of the way
  • A full range of personal and business SunTrust loans and credit products with competitive rates and flexible terms to meet your personal and business borrowing needs
  • A dedicated credit team with significant lending experience and the ability to provide lending decisions

SunTrust credit solutions for your everyday needs

  • Custom mortgages1 with interest-only,2 fixed and adjustable,3 and London Interbank Offered Rate pricing alternatives4
  • An Access 3® Equity Line5 with three repayment options
  • Unsecured lines of credit
  • Flexible installment loans and short-term notes for smaller borrowing requirements
  • Credit cards6

SunTrust credit solutions for your complex needs

SunTrust credit offers customized solutions for more complex borrowing needs. Your advisor will seek credit solutions that are competitive in both pricing and structure.

  • Purchase or borrow against large assets
  • Exercise employee stock options
  • Inject capital into a business
  • Postpone capital gains7
  • Purchase residential and commercial real estate

Disclaimers

1Residential mortgage loans are offered through SunTrust Mortgage, Inc.

2Monthly payments of interest only will not reduce the amount of principal owed.

3Adjustable-rate mortgage (ARM) products have interest rates that may increase after consummation.

4London Interbank Offered Rate (LIBOR) is the rate that the most credit worthy international banks dealing in Eurodollars charge each other for large loans. The LIBOR rate is usually the base for other large Eurodollar loans to less creditworthy corporate and government borrowers.

5Fixed Rate/Fixed Term advances are available for terms of 60 months, 120 months, 180 months, 240 months and, for such advances taken at closing and to be disbursed immediately upon expiration of any applicable rescission period, 360 months. Each must be at least $5,000 per advance, and you may have up to five (5) outstanding advances under this option at any given time. For each advance taken under the Fixed Rate/Fixed Term option, there will be a $15 processing fee if and as allowed by applicable law. Access 3 is only available for owner-occupied, single-family primary residences and is not valid on condominiums, second homes, manufactured homes or cooperatives. SunTrust must be in a valid first- or second-lien position. Exclusions and limitations apply. Property insurance is required, and if applicable, flood insurance will be required.

6The SunTrust Consumer Credit Card is issued by SunTrust Bank. All credit cards are subject to credit approval.

7SunTrust Bank and its affiliates and the directors, officers, employees and agents of SunTrust Bank and its affiliates (collectively, “SunTrust”) are not permitted to give legal or tax advice. While SunTrust can assist clients in the areas of estate and financial planning, only an attorney can draft legal documents, provide legal services and give legal advice. Clients of SunTrust should consult with their legal and tax advisors prior to entering into any financial transaction or estate plan. Because it cannot provide legal services or give legal advice, SunTrust’s services or advice relating to “estate planning” or “wealth transfer planning” are limited to (i) financial planning, multigenerational wealth planning, investment strategy, (ii) management of trust assets, investment management and trust administration, and (iii) working with the client’s legal and tax advisors in the implementation of an estate plan.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc. 901 Semmes Avenue, Richmond, VA 23224 is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML1216, ML0133, ML1432, ML1914, ML1913, ML1815, ML2411, ML1214, ML2442, ML2491, and ML2538; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free 1-800-330-4684; is a licensed lender in Rhode Island; and is doing business in Arizona as Crestar Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020.

Securities, Investment and Insurance Products and Services:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2014 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust at Work, SunTrust Mobile Banking, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Solid Theft Protection, Ridgeworth Funds, RidgeWorth Capital Management, Wealth Select, AMC Fund Select, AMC Pinnacle, AMC Premier, Access 3, Bank Your Way Snapshot, Signature Advantage Brokerage, Custom Choice and Sure Pay are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc., an SEC registered broker/dealer and a member of the FINRA and SIPC, and a licensed insurance agency; investment advisory products and services are offered by SunTrust Investment Services, Inc. and Ridgeworth Capital Management, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender. © 2014 SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. How can we help you shine? is a service mark of SunTrust Banks, Inc.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., an SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Banks, Inc., SunTrust Investment Services, Inc., and Ridgeworth Capital Management, Inc.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.