Fixed-Rate Mortgages

Predictable monthly payments for the life of your loan

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

Benefits

  • 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?

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  • Loan amount - This is the amount of the loan that you are requesting.
  • County - You must select your state before you can select a county.
  • Don't see your state? - If your state is not listed in the drop-down box, you may be located outside of our service area. To explore your banking options with BB&T, please contact us at 800-BANK-BBT (800-226-5228).

Trending rates

*Annual percentage yield. See additional information in the disclosures below.

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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.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender.