BB&T Home Equity Disclosures

These disclosures contain important information about your home equity loan or line of credit. Please read them carefully and print a copy for your records.

Appraisal Notification
Information Storing
Insurance Disclosure
Non-Availability of BB&T Payment Protection Options

Appraisal Notification

You have a right to a copy of a Real Estate appraisal report if used in connection with your application for credit. If you wish to receive a copy, requests may be submitted in writing to:

BB&T Direct Retail Lending
Non Branch Channels
150 Stratford Road, Suite 201
Winston Salem, NC 27104

or faxed to (336) 733-3928.

We must hear from you no later than 90 days after we notify you about the action taken on your credit application. In your letter, please provide your name, mailing address, appraised property address, and the date of your application

Information Storing

Should you decide not to submit your application, the information you have input, including your name and social security number, will not be stored. BB&T will not contact you about the application or use of your information in any way if your application is not submitted.

Insurance Disclosure

BB&T or its affiliates may not condition an extension of credit on either: The client's purchase of an insurance product from BB&T or any of its affiliates, or The client's agreement not to obtain, or a prohibition on the consumer from obtaining an insurance product from an unaffiliated entity.

Insurance products are: Not a deposit or other obligation of, or guaranteed by BB&T or its affiliates. Not insured by the Federal Deposit Insurance Corporation (FDIC), or any other agency of the United States, or by BB&T or its affiliates. If applicable, there is investment risk associated with the insurance product, including the possible loss of value.

Non-Availability of BB&T Payment Protection Options

Please be advised that we are unable to offer BB&T Payment Protection Options through the online channel at this time. As a result, if you elect to proceed with obtaining a BB&T Home Equity Loan or Home Equity Line of Credit using our online process, you will not be able to purchase BB&T Payment Protection as a part of the loan closing. The sections in the loan disclosures and loan agreement that address BB&T Payment Protection have been electronically blocked so that you may not sign or otherwise indicate an intention to purchase the protection. In the event that you have questions about the non-availability of BB&T Payment Protection, you may contact a customer service representative at 1-800-228-9650 option 1.