Mortgage Education Center

Make an informed choice for your future

We're here to help you at every stage of the mortgage process:

Saving for a down payment

Choosing a home

  • How much home can I afford?
    Consider all of the costs that go into buying a home so that you can make a good decision on your home purchase price.

Choosing the best mortgage options for you

Getting ready to apply

The mortgage process

Making your decision

  • When should I refinance?
    Refinancing takes a little time and effort—but it can really pay off. So when's the best time to take advantage of it?
  • Will I benefit from refinancing?
    Refinancing can really give your budget a lift—it can give you a better deal on your house, or provide you with new options to pursue your financial goals.

Covering your options

  • What is cash-out refinancing?
    Cash-out refinancing replaces your current mortgage with a new one, while allowing you to basically take cash straight out of the equity in your home.
  • The benefits of refinancing into a VA loan
    Veterans Administration (VA) mortgages are among the primary perks of military service, and the benefits don't stop when it's time to refinance.
4 ways location will impact your home's value

If there's one thing to know about real estate, it's "where it's at."

Bidding wars: How to stay cool in a hot housing market

Knowing what to do when you find yourself in a bidding war can help you avoid endangering your long-term fiscal health.

Ready to make an offer? Here are the 4 steps

Congratulations on finding a home you want. Here's what to do next.

You're prequalified: Here's exactly what that means

The door to homeownership has been opened with a prequalified stamp of approval. Let's walk through what that really means.

Ready to get started?


Personalizing the mortgage experience

Mark Shaw

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

Dr. Ketan Patel

Find out how BB&T treats its mortgage clients like family, with personal connections based on open communication.

Jackie Baker-Johnson

Hear the inspiring story of a first-time homebuyer fulfilling her dream.

Deputy Dustin Francis

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

Edward Arias

Find out how a first-time homebuyer marked a major milestone with the purchase of his first home.

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