Get your plans going today with a home equity loan
Best if you
- Know the exact amount you'll need and don't plan to borrow more
- Have to make home renovations
- Need to cover educational expenses
- Want to consolidate debt
- Enjoy the security of a fixed interest rate
- Take advantage of our flexible terms
- Make strides toward paying it off with no prepayment penalty
Ready to get started?
Open an account online.
Locate a branch.
Should I Use My Home's Equity for Debt Consolidation? (Article)
Consolidating your debt with a home equity loan can simplify your finances. You'll just have one payment instead of many. Then you can chip away at what you owe even faster with a lower interest rate.
Not convinced that a home equity loan is right for you?
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Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.
A home equity loan is a type of loan that lets you use the equity in your home as collateral when you borrow. As your home increases in value, or you pay down your mortgage, it gains equity—the difference between the appraised value and the remaining balance due on your mortgage. A home equity loan, also known as a second mortgage, lets you access your equity in a one-time lump sum loan you repay monthly over a set amount of time.