Home Mortgage

From buying and refinancing to building your home, we have a mortgage that's right for you

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What would you like to do?

Buy a home

You’ve found a home, now you need to find a mortgage. Whether you’re a first time or experienced home buyer, you’ll want to explore your options. Learn about the mortgage process, crunch some numbers and find your perfect loan.

Refinance your home

If you’re looking for a lower interest rate and a lower monthly payment, refinancing may be the solution. Or maybe you’re interested in cash-out refinancing for home renovations or to pay for other expenses. Discover the ways that refinancing could work for you.

Build a home

You’ve decided to build your dream home, but you probably have more questions than answers about the financing. Save time and money on your new home with a construction-to-permanent loan.

Borrow your home's equity

Are you looking for a way to make home improvements, pay for a car, tuition or other expenses? Learn about our home equity options and choose the method that’s right for you.

What type of mortgage is right for you?

Fixed or variable rate? Low down payment or home equity? With so many loan options to choose from, how do you decide?

Tell us about yourself, and we'll help you get started.

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Important Information!

Choose one or more of the above boxes to see your options.

Fixed rate

  • Easy to budget since monthly payment does not change
  • Favorable interest rate is locked in for the loan term
  • Good if you're planning to stay in your home more than 5 to 7 years

Adjustable rate

  • Lower initial interest rates and payments
  • Adjustable rates with options of 3, 5, 7 and 10 years
  • Best if you plan to refinance or move before rate adjustment

Construction-to-permanent

  • Single loan finances the lot and construction
  • Interest-only payments for up to 12 months of construction
  • Adjustable rate loans available with options of 3, 5, 7 and 10 years

Low down payment

  • Low down payment required and greater percentage of financing available
  • Flexible ways to fund closing costs
  • Lower income and credit score requirements

Home equity

  • Ideal for financing home improvements or other large expenses
  • Flexible loan or line of credit options
  • Potential tax savings on interest paid

Veterans Administration loan

  • Low or no down payment required
  • Limited income and credit history considered
  • 100% financing available

Personalizing the mortgage experience

Find out how our first-time home buyers get help at every step of the process.

Learn how one client bought his first home and then later refinanced—with the same mortgage loan officer.

Make an informed choice for your future

1Loan Assumptions for Trending Rates
Determining rates is a complex process. Because we do not have all of your financial information, the rate and payment results displayed may not reflect your actual situation.

BB&T offers a wide variety of loan options, and you may still be eligible for a loan even if your situation does not match our assumptions. Rates vary according to market conditions and financial profiles.

These example rates are based on the most current APR and: Loan Amount $200,000; Credit Score over 720; Primary Home; Single Family Dwelling; with a 20% down payment or 20% equity in the property.

The proposed monthly payment and rate does not include estimated tax payments or monthly premium payments for flood insurance or homeowners insurance. These amounts will be determined at a later date.

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For comparison purposes, a 3-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 4.101% with 0 discount points and a $895 origination fee with a credit score of 720 would result in 36 equal payments of $926.23 and 324 equal payments of $965.82. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 10/24/17. Rates and programs may change at any time.

For comparison purposes, a 5-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 4.052% with 0 discount points and a $895 origination fee with a credit score of 720 would result in 60 equal payments of $926.23 and 300 equal payments of $963.40. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 10/24/17. Rates and programs may change at any time.

For comparison purposes, a 7-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 4.020% with 0.125 discount points and a $895 origination fee with a credit score of 720 would result in 84 equal payments of $926.23 and 276 equal payments of $960.90. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 10/24/17. Rates and programs may change at any time.

For comparison purposes, a 10-year adjustable rate mortgage of $200,000 with a 20% down payment at an APR of 4.110% with 0 discount points and a $895 origination fee with a credit score of 720 would result in 120 equal payments of $954.83 and 240 equal payments of $965.24. This payment does not include tax or insurance costs—the total payment obligation may be higher. This is a representative example based upon rates that were effective as of 10/24/17. Rates and programs may change at any time.

Adjustable-rate mortgage (ARM) rates and payments assume no increase in the financial index after the initial fixed period of the loan. ARM rates and monthly payments are subject to increase after the initial fixed period.

Loans, lines of credit and credit cards 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