Home Equity Line of Credit

Flexible options.
Simple process.
Quick approvals.

Find a branch - important

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
  • Would like the possibility of tax-deductible interest1
  • Want overdraft protection for your BB&T checking account


  • 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 option2


Introductory rates as low as


Variable APR2 for 12 months with an initial draw of $15,000 or more at closing


 Rates as low as


Variable APR for the life of the line (Prime -0.01%)

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


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

1Consult your tax advisor for details. A 1098 will be issued as required by law.

2All BB&T home equity lines of credit are subject to credit approval under the BB&T underwriting guidelines including qualifying lines with certain loan-to-value, debt-to-income, FICO scores and other underwriting criteria. Certain other conditions and restrictions such as repayment selection, lien position, line size, loan-to-value, closing costs and other loan guidelines may apply. This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes or residential lots. Prime Rate is a variable rate based on the Prime Rate published on the first day of each month in the Eastern Edition of The Wall Street Journal. As of July 1, 2017, the Prime Rate is 4.25%. 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. These programs may change or end at any time. Minimum line size associated with this rate is $15,000 and the maximum line size associated with this rate is $1,000,000. To receive the discounted introductory rate the client must take an initial draw at closing from the new line of credit of greater than or equal to $15,000. Initial balances of greater than or equal to $15,000 as well as any other outstanding balances on your new line of credit during the first 12 months after loan closing date will be calculated at the introductory variable rate as low as 2.99% APR, which is 1.25% below the current rate of Prime -0.01% (4.24% APR). After 12 months, your APR will revert to a standard variable APR of Prime Rate -0.01% (currently 4.24% APR) for the remaining life of the line. The maximum rate that can be charged is 18.00% or the maximum permitted by state law, whichever is less. The advertised rate is assuming the client pays all closing costs at the time of loan closing. The advertised rate will vary if the client chooses for BB&T to pay their closing costs, which is an option in some states if the requested loan amount is ≤$500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your BB&T Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs BB&T paid on your behalf. There is a $50 annual fee in AL, FL, GA, IN, KY, NJ and OH. Property insurance, and flood insurance where applicable, may be required.

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