The Benefits of a BB&T
Construction-to-Permanent Loan

Save Time and Money

A construction-to-permanent loan combines construction financing and mortgage financing
into one loan. Your construction financing simply converts to a permanent mortgage when
your house is finished. Since there is one loan,
there is one closing. You don't have to spend time and money finding a second loan or paying a second set of closing costs.

Focus on Your Home and Not on Financing

Choosing cabinets and fixtures is much more enjoyable than studying financial information and sifting through legal documents. With a construction-to-permanent loan, you can spend more time managing the construction of your dream home and less time arranging financing.

Enjoy Superior Customer Service

When you are ready to start building, we want to help. BB&T offers one of the top construction-to-permanent loan programs available, and we have the expertise to assist you with the financial aspects of your project. When you work with BB&T, you benefit from the many ways we can help expedite your project, including:

  • Our construction-to-permanent loans do not require you to sell your existing home during the construction phase.
  • We base your loan on the full value of your lot, rather than on the original sale price.
  • You benefit from interest-only payments on the funds drawn during construction.
  • We require only one closing which means only one set of closing costs, one appointment with your attorney, and a lot of added convenience.

At BB&T, we have a history of working with local builders and are committed to providing the highest level of support to our clients. We offer a wide range of permanent loan options and will work with you to identify the loan that best fits your individual needs

Work with a Local
Mortgage Professional

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Refinance Help

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How Much Can I Borrow?



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Today's Mortgage Rates
Product Rate APR
30yr Fixed 5.125% 5.225%
15yr Fixed 4.500% 4.600%
7/1 ARM 4.275% 4.075%
5/1 ARM 4.000% 3.060%

Log On to Mortgage Account
Using BB&T OnLine®, you can access your mortgage account online 24/7. Along with information about all your BB&T accounts, your mortgage information will be at your fingertips at your convenience. Using this secure system, you can:

Complete Self-Service Tasks

  • Make a payment
  • Set up automatic payments
  • Customize email alerts
  • Update contact information

Get Loan Information 24/7

  • Review loan activity
  • Access loan amortization schedule
  • Evaluate payoff information
  • Review year-end statement

Log On or Enroll


Log on to BB&T OnLine or enroll your mortgage account right on the BBT.com homepage. Just look for the BB&T OnLine module in the top left corner.

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