The equity you've built in your home is valuable—and powerful—financial asset you can use to consolidate debt, make home improvements, pay educational expenses or even take that vacation you've always dreamed about.

With a BB&T home equity loan or line of credit, it's easy to apply online or at your local BB&T financial center. And, as your home-equity partner, we'll walk beside you throughout the process, taking a close look at your:

Credit history, a snapshot of your borrowing and repayment history. Credit scores range from 300-850, and a higher score can increase your chances of getting approved.
Income and assets, as well as a stable employment history and a low debt-to-income ratio—which indicates how much of your monthly income goes toward current debt obligations.
Equity in your home compares what your home is worth and what you still owe on it. The more equity you have in your home the better.

Applying online for a BB&T home equity loan or line of credit is fast, easy and secure, and you’ll receive a decision quickly. For more information, or to receive current rates in your area, contact your local BB&T financial center or call 888-LOAN-BBT (888-562-6228), option 4.

Next: Managing and Consolidating Debt