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Home Equity Line of Credit

Make life easier with a flexible line of credit

Best if you

  • Have available equity in your home
  • Have a borrowing need such as home improvement, major purchases or debt consolidation
  • Want a line of credit that's available when you need it
  • Want overdraft protection for your BB&T checking account

Benefits

  • Option to lock in balances with a fixed rate and term
  • Enjoy a line of credit that replenishes as you pay it off
  • Borrow at lower interest rates than credit cards
  • Choose from flexible payment options: interest only or 1.5% of the outstanding balance
  • No closing cost option1

Fixed-rate loan option

With our worry-free fixed-rate loan option, you'll get the security of a fixed rate and term—and the peace of mind that comes with predictable payments.

  • Take advantage of competitive rates and a low set-up fee
  • Avoid the hassle of getting a new loan for large purchases
  • Replenish your available line of credit with each loan payment
  • Get up to three loans of at least $5,000 simultaneously

Uses

Use your home equity line of credit for any number of large expenses, including:

  • Home improvements
  • Major purchases or appliances
  • Tuition or education costs
  • Medical expenses
  • Debt consolidation
  • Ongoing or unplanned expenses

Ready to get started?

In person

Locate a branch.

Still exploring?

Applying for a home equity line of credit (HELOC) is a bit like applying for a mortgage, minus a couple of steps.

Not convinced that a home equity line of credit is right for you?

View all home equity lending options

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Loans are subject to credit approval.

All BB&T mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon