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Getting Approved

The equity you've built in your home is a valuable financial asset you can use to consolidate debt, make home improvements, pay education expenses or take that dream vacation.


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. 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.


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Call us at 888-LOAN-BBT (888-562-6228).

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