Home Equity Line of Credit

Unlock the power of your home's equity with a flexible credit line.

  • Use for any purchase or expense
  • No origination fee and no appraisal fee1
  • Convenient access to your account when you
    need it
Don't see your state? Don't see your state?

If your state is not listed in the drop-down box, you may be located outside of our service area. To explore your banking options with BB&T, please contact us at 800-BANK-BBT (800-226-5228).

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Interest Rates

  • Rates as low as 3.74% (Prime + .49%) variable APR*
  • Subject to property type and credit approval

Apply Online

Features and Uses

Enjoy ongoing access to funds (up to your credit limit), so you can borrow and repay money when it's convenient for you.

Plus, BB&T offers its signature Fixed Option Feature on Home Equity Lines of Credit. This feature allows you to lock in balances on your BB&T Home Equity Line with a low fixed rate, term and payment while continuing to allow you access to the rest of your available credit. The best part is, your available credit is instantly replenished as you make payments to the fixed portion of your line of credit.

Some suggested uses for your loan are:

  • Home improvement
  • Major purchases/appliances
  • Tuition or education costs
  • Ongoing or unplanned expenses
  • Debt consolidation
  • Medical expenses
  • Vacation

An advantage is the interest on your line of credit may be up to 100% tax deductible.2

Fees and Repayment

Fees and Closing Costs: No origination or appraisal fees.1

Maximum Term: Funds may be advanced for up to 15 years.

You have a choice of repayment options:

  • Interest-only payments
  • 1.5% of the outstanding balance

Access

You'll have immediate access to money:

  • Write home equity line checks
  • Enjoy 24/7 account access with BB&T Online Banking
  • Call 800-BANK-BBT (800-226-5228)
  • Visit a BB&T financial center or ATM

Avoid overdraft fees and protect your credit rating by linking your Home Equity Line of Credit to a BB&T checking account.

Learn More | View Overdraft Notice


*This 3.74% (Prime + .49%) offer is subject to credit approval under BB&T's underwriting guidelines including qualifying lines with an 80% or less loan-to-value ratio and a line amount of $50,000 or greater. To qualify for these rates, client should also possess a Beacon Score of 700 or greater and have a debt-to-income ratio of 43% or less. Rates may be higher for clients with low "BNI" scores. This score is provided by the credit bureau and is used to assess the likelihood of bankruptcy being declared within a 24-month period. Certain conditions and restrictions may apply. All rates are variable and subject to change at any time without notice and may be higher or lower than the rate currently offered. Prime Rate is a variable rate based on the Prime Rate established on the first day of each month in the Eastern Edition of The Wall Street Journal. As of August 1, 2014, the Prime Rate is listed at 3.25%. The annual percentage rate offered of 3.74% is a variable rate, and subject to change. The maximum rate that you can be charged is 18% or the maximum permitted by state law, whichever is less. There is no origination fee charged to open a BB&T Home Equity Line. A $50 annual fee may apply in the states of KY, IN, GA, AL and FL. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $1500, and may vary per state. A Texas resident that has financed or refinanced a homestead or home equity in the previous 12 months may not be eligible for another homestead or home equity loan based on state law. A client opting to make interest-only payments on an outstanding balance of $50,000 would remit $155.83 per month at the advertised APR (3.74% variable APR). Other rates available. Property and, if applicable, flood insurance must be in effect on property securing the loan. Not available for loans secured by rental properties, cooperatives, recreational vehicles, manufactured homes, lots or properties held in trust. The special pricing may not be available for requests to refinance existing BB&T debt without at least 25% new money added to the line amount.

Interest Rates

  • Rates as low as 3.49% (Prime + .24%) variable APR*
  • Subject to property type and credit approval

Apply Online

Features and Uses

Enjoy ongoing access to funds (up to your credit limit), so you can borrow and repay money when it's convenient for you.

Plus, BB&T offers its signature Fixed Option Feature on Home Equity Lines of Credit. This feature allows you to lock in balances on your BB&T Home Equity Line with a low fixed rate, term and payment while continuing to allow you access to the rest of your available credit. The best part is, your available credit is instantly replenished as you make payments to the fixed portion of your line of credit.

Some suggested uses for your loan are:

  • Home improvement
  • Major purchases/appliances
  • Tuition or education costs
  • Ongoing or unplanned expenses
  • Debt consolidation
  • Medical expenses
  • Vacation

An advantage is the interest on your line of credit may be up to 100% tax deductible.2

Fees and Repayment

Fees and Closing Costs: No origination or appraisal fees.1

Maximum Term: Funds may be advanced for up to 15 years.

You have a choice of repayment options:

  • Interest-only payments
  • 1.5% of the outstanding balance

Access

You'll have immediate access to money:

  • Write home equity line checks
  • Enjoy 24/7 account access with BB&T Online Banking
  • Call 800-BANK-BBT (800-226-5228)
  • Visit a BB&T financial center or ATM

Avoid overdraft fees and protect your credit rating by linking your Home Equity Line of Credit to a BB&T checking account.

Learn More | View Overdraft Notice


*This 3.49% (Prime + .24%) offer is subject to credit approval under BB&T's underwriting guidelines including qualifying lines with an 80% or less loan-to-value ratio and a line amount of $50,000 or greater. To qualify for these rates, client should also possess a Beacon Score of 700 or greater and have a debt-to-income ratio of 43% or less. Rates may be higher for clients with low "BNI" scores. This score is provided by the credit bureau and is used to assess the likelihood of bankruptcy being declared within a 24-month period. Certain conditions and restrictions may apply. All rates are variable and subject to change at any time without notice and may be higher or lower than the rate currently offered. Prime Rate is a variable rate based on the Prime Rate established on the first day of each month in the Eastern Edition of The Wall Street Journal. As of August 1, 2014, the Prime Rate is listed at 3.25%. The annual percentage rate offered of 3.49% is a variable rate, and subject to change. The maximum rate that you can be charged is 18% or the maximum permitted by state law, whichever is less. There is no origination fee charged to open a BB&T Home Equity Line. A $50 annual fee may apply in the states of KY, IN, GA, AL and FL. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $1500, and may vary per state. A Texas resident that has financed or refinanced a homestead or home equity in the previous 12 months may not be eligible for another homestead or home equity loan based on state law. A client opting to make interest-only payments on an outstanding balance of $50,000 would remit $145.42 per month at the advertised APR (3.49% variable APR). Other rates available. Property and, if applicable, flood insurance must be in effect on property securing the loan. Not available for loans secured by rental properties, cooperatives, recreational vehicles, manufactured homes, lots or properties held in trust. The special pricing may not be available for requests to refinance existing BB&T debt without at least 25% new money added to the line amount.

Interest Rates

  • Rates as low as 3.74% (Prime + .49%) variable APR*
  • Subject to property type and credit approval

Find a Location

Features and Uses

Enjoy ongoing access to funds (up to your credit limit), so you can borrow and repay money when it's convenient for you.

Plus, BB&T offers its signature Fixed Option Feature on Home Equity Lines of Credit. This feature allows you to lock in balances on your BB&T Home Equity Line with a low fixed rate, term and payment while continuing to allow you access to the rest of your available credit. The best part is, your available credit is instantly replenished as you make payments to the fixed portion of your line of credit.

Some suggested uses for your loan are:

  • Home improvement
  • Major purchases/appliances
  • Tuition or education costs
  • Ongoing or unplanned expenses
  • Debt consolidation
  • Medical expenses
  • Vacation

An advantage is the interest on your line of credit may be up to 100% tax deductible.2

Fees and Repayment

Fees and Closing Costs: No origination or appraisal fees.1

Maximum Term: Funds may be advanced for up to 15 years.

You have a choice of repayment options:

  • Interest-only payments
  • 1.5% of the outstanding balance

Access

You'll have immediate access to money:

  • Write home equity line checks
  • Enjoy 24/7 account access with BB&T Online Banking
  • Call 800-BANK-BBT (800-226-5228)
  • Visit a BB&T financial center or ATM

Avoid overdraft fees and protect your credit rating by linking your Home Equity Line of Credit to a BB&T checking account.

Learn More | View Overdraft Notice


*This 3.74% (Prime + .49%) offer is subject to credit approval under BB&T's underwriting guidelines including qualifying lines with an 80% or less loan-to-value ratio and a line amount of $50,000 or greater. To qualify for these rates, client should also possess a Beacon Score of 700 or greater and have a debt-to-income ratio of 43% or less. Rates may be higher for clients with low "BNI" scores. This score is provided by the credit bureau and is used to assess the likelihood of bankruptcy being declared within a 24-month period. Certain conditions and restrictions may apply. All rates are variable and subject to change at any time without notice and may be higher or lower than the rate currently offered. Prime Rate is a variable rate based on the Prime Rate established on the first day of each month in the Eastern Edition of The Wall Street Journal. As of August 1, 2014, the Prime Rate is listed at 3.25%. The annual percentage rate offered of 3.74% is a variable rate, and subject to change. The maximum rate that you can be charged is 18% or the maximum permitted by state law, whichever is less. There is no origination fee charged to open a BB&T Home Equity Line. A $50 annual fee may apply in the states of KY, IN, GA, AL and FL. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $1500, and may vary per state. A Texas resident that has financed or refinanced a homestead or home equity in the previous 12 months may not be eligible for another homestead or home equity loan based on state law. A client opting to make interest-only payments on an outstanding balance of $50,000 would remit $155.83 per month at the advertised APR (3.74% variable APR). Other rates available. Property and, if applicable, flood insurance must be in effect on property securing the loan. Not available for loans secured by rental properties, cooperatives, recreational vehicles, manufactured homes, lots or properties held in trust. The special pricing may not be available for requests to refinance existing BB&T debt without at least 25% new money added to the line amount.