Like the idea of a mortgage payment and interest rate that never change? Our popular fixed-rate loan may be right for you.
Best if you
- Want a consistent monthly payment over your loan term
- Plan to stay in your new home at least 3 to 5 years
- Expect modest increases to your income over the next few years
- Makes budgeting and long-term planning easier
- Assures that your favorable interest rate is locked in for the long term
- Extends your purchasing power with repayment terms up to 30 years
Shopping for rates?
Estimate your rates
All fields are required.
*Annual percentage yield. See additional information in the disclosures below.
Ready to get started?
Start your mortgage
Already started your mortgage application?
Find a mortgage professional
Interested in a mortgage?
- Call 888-946-8730
- Available Monday through Friday, 8 am to 8 pm ET, and on Saturdays from 9 am to 1 pm ET
- Have a BB&T mortgage professional contact you(opens in a new tab)
Already have a mortgage?
- Call 800-295-5744
Contact your mortgage professional
How Much Can I Borrow? (Calculator)
Find out how much house you can afford given your monthly budget.
What Steps Should I Take to Buy a Home? (Article)
See the big picture of buying a home, from prequalification to closing.
Where to Find Down Payment Assistance (Article)
When you don't have much for a down payment, down payment assistance options can help you get into a home.
Ready to get started?
Not convinced that a fixed-rate mortgage is right for you?
Loan 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 740; 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.
The current rate for the 30-year fixed purchase mortgage is based on a $985 origination fee; 1.125 discount points and would yield 360 equal payments.
The current rate for the 15-year fixed purchase mortgage is based on a $985 origination fee; 1 discount points and would yield 180 equal payments.
The current rate for the 30-year fixed refinance mortgage is based on a $985 origination fee; 1.5 discount points and would yield 360 equal payments.
The current rate for the 15-year fixed refinance mortgage is based on a $985 origination fee; 1.375 discount points and would yield 180 equal payments.
Rates and pricing may vary and are subject to change at any time without notice.
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.
Consumer Handbook on Adjustable-Rate Mortgages coming soon.
Truist Bank, Member FDIC and an Equal Housing Lender.
New York City residents: Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca.
Branch Banking and Trust Company is now Truist Bank. Learn more.
BB&T and SunTrust have merged to become Truist. Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Our friendly teammates at your local SunTrust branches will be happy to walk you through their respective products. You can also learn more by contacting them at 800-SUNTRUST or SunTrust.com.