*The rates provided are applicable for first lien requests and may change without notice. Other rates and terms are available, and requests to refinance existing BB&T debt may be higher. For first lien requests where the property value is $1 million or less, the maximum LTV is 80%. Other qualifications and requirements apply. For purposes of comparison, a consumer who finances $20,000 at a term of 60 months and at an annual percentage rate of 3.49% would remit 60 payments of $363.75. For purposes of comparison, a consumer who finances $50,000 at a term of 180 months and at an annual percentage rate of 3.99% would remit 180 payments of $369.59. These payments do not include tax or insurance costs; the total payment obligation may be higher. Property and, if applicable, flood insurance must be in effect on the property being secured. Rates are for owner-occupied single-family residences and not valid for rental properties, manufactured homes, residential lots, cooperatives or properties held in trust.

**Consult your tax advisor for details. A 1098 will be issued as required by law.

^†For home equity loans paid out within 36 months of loan origination, the client may be required to remit some or all of the closing costs paid by BB&T on the client’s behalf. For first lien requests, BB&T will currently waive the origination fee on BB&T Home Equity Loans. This offer may not be available when refinancing existing BB&T debt.